River Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks River Bank of Stoddard, WI against its peer group of 941 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 | 1.44% | 1.34% | +0.10% | 61st above |
| ROAE | 12.02% | 12.34% | -0.32% | 46th below |
| Net Interest Margin | 2.98% | 3.83% | -0.85% | 14th bottom |
| Efficiency Ratio | 47.07% | 58.97% | -11.90% | 82nd top |
| PPNR / Avg Assets | 1.54% | — | — | 37th below |
| Yield on Earning Assets | 4.96% | 5.71% | -0.75% | 18th bottom |
| Cost of Funds | 2.02% | 2.02% | +0.00% | 49th below |
| Net Interest Spread | 2.47% | — | — | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.87% | -0.71% | 81st top |
| NPA / Total Assets | 0.14% | — | — | 80th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 1.36% | — | — | 76th top |
| ACL / NPLs (Coverage) | 841.80% | — | — | 86th top |
| Texas Ratio | 1.06% | 5.48% | -4.42% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.39% | 14.99% | -0.60% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.39% | 15.02% | -0.63% | 63rd above |
| Total Capital Ratio | 15.64% | — | — | 65th above |
| Leverage Ratio | 12.02% | 11.11% | +0.91% | 76th top |
| Equity / Assets | 12.25% | 11.02% | +1.23% | 78th top |
| TCE / Tangible Assets | 11.65% | — | — | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 112.86% | 86.99% | +25.87% | 4th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.33% | 85.57% | +0.76% | 39th below |
| Uninsured Deposit Ratio | 28.56% | 33.19% | -4.63% | 58th above |
| Wholesale Funding Ratio | 13.18% | — | — | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.21% | — | — | 21st bottom |
| Loan Growth (Y/Y) | 2.10% | — | — | 28th below |
| Deposit Growth (Y/Y) | 1.74% | — | — | 27th below |
See River Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock River 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 River 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 River Bank peer analysis.