PSB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks PSB Bank of Rhineland, MO 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 | 1.31% | 1.25% | +0.06% | 52nd above |
| ROAE | 14.38% | 12.22% | +2.16% | 61st above |
| Net Interest Margin | 4.30% | 3.95% | +0.35% | 70th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 63.12% | 63.71% | -0.59% | 44th below |
| PPNR / Avg Assets | 1.64% | — | — | 53rd above |
| Yield on Earning Assets | 6.32% | 5.67% | +0.65% | 81st top |
| Cost of Funds | 2.09% | 1.87% | +0.22% | 32nd below |
| Net Interest Spread | 3.72% | — | — | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.88% | -0.59% | 58th above |
| NPA / Total Assets | 0.22% | — | — | 58th above |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 93rd top |
| ACL / Total Loans | 1.06% | — | — | 33rd below |
| ACL / NPLs (Coverage) | 370.06% | — | — | 63rd above |
| Texas Ratio | 2.66% | 5.96% | -3.30% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.37% | 17.18% | -7.81% | 0th bottom |
| Tier 1 Ratio | 9.37% | 17.21% | -7.84% | 0th bottom |
| Total Capital Ratio | 10.39% | — | — | 0th bottom |
| Leverage Ratio | 8.12% | 11.75% | -3.63% | 3rd bottom |
| Equity / Assets | 8.36% | 10.98% | -2.62% | 17th bottom |
| TCE / Tangible Assets | 7.65% | — | — | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.69% | 80.44% | +16.25% | 16th bottom |
| Core Deposit Ratio | 94.42% | 86.95% | +7.47% | 82nd top |
| Wholesale Funding Ratio | 9.84% | — | — | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 22.34% | — | — | 96th top |
| Loan Growth (Y/Y) | 20.18% | — | — | 93rd top |
| Deposit Growth (Y/Y) | 19.41% | — | — | 94th top |
See PSB Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock PSB 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 PSB Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the PSB Bank peer analysis.