The Seiling State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Seiling State Bank of Seiling, OK 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 | 1.00% | 1.34% | -0.34% | 33rd below |
| ROAE | 10.65% | 13.32% | -2.67% | 40th below |
| Net Interest Margin | 4.01% | 3.93% | +0.08% | 54th above |
| Efficiency Ratio | 71.00% | 61.13% | +9.87% | 26th below |
| PPNR / Avg Assets | 1.12% | 1.68% | -0.56% | 26th below |
| Yield on Earning Assets | 6.28% | 5.67% | +0.61% | 80th top |
| Cost of Funds | 2.40% | 1.88% | +0.52% | 18th bottom |
| Net Interest Spread | 3.64% | 3.32% | +0.32% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 85th top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 86th top |
| NCO / Avg Loans | -1.21% | 0.16% | -1.37% | 100th top |
| ACL / Total Loans | 1.58% | 1.28% | +0.30% | 83rd top |
| ACL / NPLs (Coverage) | 36800.00% | 1538.84% | +35261.16% | — |
| Texas Ratio | 0.03% | 7.34% | -7.31% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.74% | 19.49% | -5.75% | 36th below |
| Tier 1 Ratio | 13.74% | 19.52% | -5.78% | 36th below |
| Total Capital Ratio | 15.00% | 20.61% | -5.61% | 37th below |
| Leverage Ratio | 10.54% | 12.14% | -1.60% | 42nd below |
| Equity / Assets | 9.79% | 11.37% | -1.58% | 41st below |
| TCE / Tangible Assets | 9.79% | 11.08% | -1.29% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.57% | 80.66% | -1.09% | 52nd above |
| Core Deposit Ratio | 67.15% | 86.85% | -19.70% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.77% | 6.84% | -4.07% | 38th below |
| Loan Growth (Y/Y) | 12.39% | 7.92% | +4.47% | 81st top |
| Deposit Growth (Y/Y) | 0.55% | 6.29% | -5.74% | 27th below |
See The Seiling State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Seiling State 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 Seiling State Bank profile, how to read a UBPR, or how this data updates.