Raccoon Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Raccoon Valley Bank of Perry, 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 | 1.66% | 1.34% | +0.32% | 72nd above |
| ROAE | 17.90% | 13.31% | +4.59% | 79th top |
| Net Interest Margin | 3.94% | 3.93% | +0.01% | 50th above |
| Efficiency Ratio | 54.93% | 61.14% | -6.21% | 69th above |
| PPNR / Avg Assets | 1.81% | 1.68% | +0.13% | 63rd above |
| Yield on Earning Assets | 5.90% | 5.67% | +0.23% | 64th above |
| Cost of Funds | 2.15% | 1.88% | +0.27% | 29th below |
| Net Interest Spread | 3.35% | 3.32% | +0.03% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.67% | 0.94% | -0.27% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.52% | 0.70% | -0.18% | 37th below |
| NCO / Avg Loans | -0.22% | 0.16% | -0.38% | 98th top |
| ACL / Total Loans | 1.48% | 1.28% | +0.20% | 77th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 222.89% | 1539.35% | -1316.46% | 51st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.47% | 7.33% | -1.86% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.47% | 19.51% | -8.04% | 12th bottom |
| Tier 1 Ratio | 11.47% | 19.54% | -8.07% | 12th bottom |
| Total Capital Ratio | 12.72% | 20.63% | -7.91% | 14th bottom |
| Leverage Ratio | 9.57% | 12.14% | -2.57% | 23rd bottom |
| Equity / Assets | 9.49% | 11.38% | -1.89% | 36th below |
| TCE / Tangible Assets | 9.49% | 11.09% | -1.60% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.87% | 80.63% | +8.24% | 31st below |
| Core Deposit Ratio | 78.20% | 86.86% | -8.66% | 13th bottom |
| Wholesale Funding Ratio | 1.23% | 5.04% | -3.81% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.00% | 6.85% | +0.15% | 69th above |
| Loan Growth (Y/Y) | 12.32% | 7.90% | +4.42% | 81st top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.21% | 6.29% | -1.08% | 59th above |
See Raccoon Valley Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Raccoon Valley 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 Raccoon Valley Bank profile, how to read a UBPR, or how this data updates.