Premier Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Premier Bank of Rock Valley, IA against its peer group of 2757 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 | 2.29% | 1.25% | +1.04% | 92nd top |
| ROAE | 22.08% | 13.17% | +8.91% | 92nd top |
| Net Interest Margin | 4.00% | 3.95% | +0.05% | 53rd above |
| Efficiency Ratio | 39.35% | 61.50% | -22.15% | 96th top |
| PPNR / Avg Assets | 2.37% | — | — | 86th top |
| Yield on Earning Assets | 6.53% | 5.67% | +0.86% | 88th top |
| Cost of Funds | 2.81% | 1.87% | +0.94% | 8th bottom |
| Net Interest Spread | 3.42% | — | — | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.42% | 0.93% | -0.51% | 50th above |
| NPA / Total Assets | 0.36% | — | — | 46th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 88th top |
| ACL / Total Loans | 1.18% | — | — | 48th below |
| ACL / NPLs (Coverage) | 281.39% | — | — | 58th above |
| Texas Ratio | 11.26% | 6.06% | +5.20% | 15th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.55% | 11.75% | -2.20% | 22nd bottom |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.57% | 10.98% | -0.41% | 53rd above |
| TCE / Tangible Assets | 9.59% | — | — | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 106.36% | 80.44% | +25.92% | 6th bottom |
| Core Deposit Ratio | 77.41% | 86.95% | -9.54% | 11th bottom |
| Wholesale Funding Ratio | 7.62% | — | — | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.35% | — | — | 91st top |
| Loan Growth (Y/Y) | 13.12% | — | — | 82nd top |
| Deposit Growth (Y/Y) | 13.98% | — | — | 90th top |
See Premier Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Premier 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 Premier Bank profile, how to read a UBPR, or how this data updates.