The Readlyn Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Readlyn Savings Bank of Readlyn, 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 | 1.67% | 1.34% | +0.33% | 73rd above |
| ROAE | 9.55% | 13.31% | -3.76% | 33rd below |
| Net Interest Margin | 3.29% | 3.93% | -0.64% | 20th bottom |
| Efficiency Ratio | 41.45% | 61.14% | -19.69% | 94th top |
| PPNR / Avg Assets | 1.75% | 1.68% | +0.07% | 59th above |
| Yield on Earning Assets | 5.09% | 5.67% | -0.58% | 27th below |
| Cost of Funds | 2.10% | 1.88% | +0.22% | 32nd below |
| Net Interest Spread | 2.43% | 3.32% | -0.89% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.04% | 0.94% | +2.10% | 6th bottom |
| NPA / Total Assets | 1.97% | 0.70% | +1.27% | 8th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.40% | 1.28% | +0.12% | 72nd above |
| ACL / NPLs (Coverage) | 46.06% | 1538.91% | -1492.85% | 9th bottom |
| Texas Ratio | 10.33% | 7.33% | +3.00% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 26.80% | 19.50% | +7.30% | 90th top |
| Tier 1 Ratio | 26.80% | 19.53% | +7.27% | 90th top |
| Total Capital Ratio | 28.02% | 20.62% | +7.40% | 90th top |
| Leverage Ratio | 19.30% | 12.14% | +7.16% | 95th top |
| Equity / Assets | 18.17% | 11.37% | +6.80% | 95th top |
| TCE / Tangible Assets | 18.17% | 11.09% | +7.08% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.11% | 80.64% | +5.47% | 37th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.09% | 86.86% | +1.23% | 44th below |
| Wholesale Funding Ratio | 6.26% | 5.03% | +1.23% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.52% | 6.85% | -3.33% | 43rd below |
| Loan Growth (Y/Y) | -8.07% | 7.91% | -15.98% | 4th bottom |
| Deposit Growth (Y/Y) | 3.27% | 6.29% | -3.02% | 44th below |
See The Readlyn Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Readlyn Savings 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 The Readlyn Savings Bank profile, how to read a UBPR, or how this data updates.