Sibley State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sibley State Bank of Sibley, 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 | 1.53% | 1.34% | +0.19% | 65th above |
| ROAE | 15.41% | 13.31% | +2.10% | 68th above |
| Net Interest Margin | 3.79% | 3.93% | -0.14% | 41st below |
| Efficiency Ratio | 51.30% | 61.14% | -9.84% | 78th top |
| PPNR / Avg Assets | 1.93% | 1.68% | +0.25% | 69th above |
| Yield on Earning Assets | 4.95% | 5.67% | -0.72% | 21st bottom |
| Cost of Funds | 1.25% | 1.88% | -0.63% | 82nd top |
| Net Interest Spread | 3.39% | 3.32% | +0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.94% | -0.72% | 63rd above |
| NPA / Total Assets | 0.14% | 0.70% | -0.56% | 65th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.28% | -0.09% | 50th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 549.66% | 1538.78% | -989.12% | 73rd above |
| Texas Ratio | 2.69% | 7.33% | -4.64% | 56th above |
| Provision / NCO | 0.00% | 1395.70% | -1395.70% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.67% | 19.50% | -3.83% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.67% | 19.54% | -3.87% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.73% | 20.62% | -3.89% | 54th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.03% | 12.14% | -1.11% | 51st above |
| Equity / Assets | 10.14% | 11.37% | -1.23% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.14% | 11.09% | -0.95% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.95% | 80.64% | -7.69% | 65th above |
| Core Deposit Ratio | 92.92% | 86.86% | +6.06% | 73rd above |
| Wholesale Funding Ratio | 1.74% | 5.03% | -3.29% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.88% | 6.85% | -5.97% | 25th below |
| Loan Growth (Y/Y) | -0.31% | 7.90% | -8.21% | 21st bottom |
| Deposit Growth (Y/Y) | 2.56% | 6.29% | -3.73% | 39th below |
See Sibley State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sibley 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 Sibley State Bank profile, how to read a UBPR, or how this data updates.