Pocahontas State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pocahontas State Bank of Pocahontas, IA against its peer group of 2672 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 | -0.89% | 1.34% | -2.23% | 2nd bottom |
| ROAE | -3.25% | 13.32% | -16.57% | 3rd bottom |
| Net Interest Margin | 1.93% | 3.93% | -2.00% | 1st bottom |
| Efficiency Ratio | 30.30% | 61.14% | -30.84% | 99th top |
| PPNR / Avg Assets | 1.40% | 1.68% | -0.28% | 39th below |
| Yield on Earning Assets | 3.45% | 5.67% | -2.22% | 1st bottom |
| Cost of Funds | 2.17% | 1.88% | +0.29% | 28th below |
| Net Interest Spread | 1.18% | 3.32% | -2.14% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.93% | 0.94% | +0.99% | 13th bottom |
| NPA / Total Assets | 0.70% | 0.70% | +0.00% | 30th below |
| NCO / Avg Loans | 0.35% | 0.16% | +0.19% | 8th bottom |
| ACL / Total Loans | 2.16% | 1.28% | +0.88% | 95th top |
| ACL / NPLs (Coverage) | 112.06% | 1538.86% | -1426.80% | 32nd below |
| Texas Ratio | 2.65% | 7.33% | -4.68% | 56th above |
| Provision / NCO | 1932.43% | 1395.39% | +537.04% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 26.35% | 12.14% | +14.21% | 98th top |
| Equity / Assets | 27.81% | 11.37% | +16.44% | 98th top |
| TCE / Tangible Assets | 26.32% | 11.09% | +15.23% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.83% | 80.64% | -26.81% | 89th top |
| Core Deposit Ratio | 85.64% | 86.86% | -1.22% | 33rd below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.83% | 5.03% | -1.20% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.88% | 6.85% | +0.03% | 68th above |
| Loan Growth (Y/Y) | 22.06% | 7.90% | +14.16% | 94th top |
| Deposit Growth (Y/Y) | 1.23% | 6.29% | -5.06% | 30th below |
See Pocahontas State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pocahontas State 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 Pocahontas State Bank profile, how to read a UBPR, or how this data updates.