Richland County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Richland County Bank of Richland Center, WI against its peer group of 2603 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 | 1.51% | 1.34% | +0.17% | 63rd above |
| ROAE | 10.20% | 13.32% | -3.12% | 37th below |
| Net Interest Margin | 3.54% | 3.93% | -0.39% | 29th below |
| Efficiency Ratio | 59.24% | 61.13% | -1.89% | 56th above |
| PPNR / Avg Assets | 1.53% | 1.68% | -0.15% | 46th below |
| Yield on Earning Assets | 4.27% | 5.67% | -1.40% | 5th bottom |
| Cost of Funds | 0.85% | 1.88% | -1.03% | 94th top |
| Net Interest Spread | 3.10% | 3.32% | -0.22% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 59th above |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.77% | 12.14% | +5.63% | 94th top |
| Equity / Assets | 15.59% | 11.36% | +4.23% | 90th top |
| TCE / Tangible Assets | 15.59% | 11.08% | +4.51% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 51.93% | 80.66% | -28.73% | 90th top |
| Core Deposit Ratio | 98.15% | 86.85% | +11.30% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.93% | 6.84% | -1.91% | 54th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.58% | 7.92% | -0.34% | 63rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.10% | 6.29% | -2.19% | 50th above |
See Richland County Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Richland County 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 Richland County Bank profile, how to read a UBPR, or how this data updates.