Plains Commerce Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Plains Commerce Bank of Sioux Falls, SD against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.03% | 1.46% | -0.43% | 32nd below |
| ROAE | 10.10% | 12.72% | -2.62% | 33rd below |
| Net Interest Margin | 3.66% | 3.85% | -0.19% | 46th below |
| Efficiency Ratio | 85.62% | 57.39% | +28.23% | 4th bottom |
| PPNR / Avg Assets | 1.25% | 1.88% | -0.63% | 25th below |
| Yield on Earning Assets | 6.19% | 5.72% | +0.47% | 82nd top |
| Cost of Funds | 2.59% | 2.02% | +0.57% | 19th bottom |
| Net Interest Spread | 2.89% | 3.18% | -0.29% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.47% | 1.00% | +1.47% | 8th bottom |
| NPA / Total Assets | 2.14% | 0.76% | +1.38% | 7th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 35th below |
| ACL / Total Loans | 0.97% | 1.31% | -0.34% | 26th below |
| ACL / NPLs (Coverage) | 39.15% | 543.61% | -504.46% | 5th bottom |
| Texas Ratio | 19.73% | 7.38% | +12.35% | 7th bottom |
| Provision / NCO | 108.99% | 618.91% | -509.92% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.03% | 11.44% | -1.41% | 38th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.77% | 11.34% | -0.57% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.29% | 10.50% | -0.21% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.55% | 86.95% | +13.60% | 16th bottom |
| Core Deposit Ratio | 80.71% | 85.56% | -4.85% | 22nd bottom |
| Uninsured Deposit Ratio | 29.24% | 33.12% | -3.88% | 56th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.77% | 5.70% | -0.93% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.68% | 9.68% | -6.00% | 39th below |
| Loan Growth (Y/Y) | 5.48% | 8.06% | -2.58% | 49th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.13% | 7.87% | -1.74% | 59th above |
See Plains Commerce Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Plains Commerce Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Plains Commerce Bank profile, how to read a UBPR, or how this data updates.