Sidney Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sidney Federal Savings and Loan Association of Sidney, NE against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.74% | 3.13% | -1.39% | 76th top |
| ROAE | 12.07% | 10.30% | +1.77% | 68th above |
| Net Interest Margin | 3.51% | 3.94% | -0.43% | 31st below |
| Efficiency Ratio | 41.51% | 76.37% | -34.86% | 95th top |
| PPNR / Avg Assets | 2.02% | 1.40% | +0.62% | 79th top |
| Yield on Earning Assets | 4.42% | 5.36% | -0.94% | 20th bottom |
| Cost of Funds | 1.09% | 1.70% | -0.61% | 74th above |
| Net Interest Spread | 3.30% | 3.32% | -0.02% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.00% | 1.33% | +0.67% | 18th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.56% | 0.71% | -0.15% | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.10% | -0.04% | 17th bottom |
| ACL / Total Loans | 0.90% | 1.49% | -0.59% | 20th bottom |
| ACL / NPLs (Coverage) | 44.69% | 867.04% | -822.35% | 15th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.08% | 8.27% | -4.19% | 40th below |
| Provision / NCO | 0.00% | 291.06% | -291.06% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 34.90% | 62.26% | -27.36% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 34.90% | 62.26% | -27.36% | 71st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 35.54% | 63.23% | -27.69% | 70th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.21% | 17.65% | -3.44% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.09% | 16.45% | -2.36% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.55% | 16.20% | -2.65% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 34.84% | 72.89% | -38.05% | 88th top |
| Core Deposit Ratio | 99.16% | 88.26% | +10.90% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 30.43% | 4.22% | +26.21% | 98th top |
| Loan Growth (Y/Y) | 135.86% | 6.55% | +129.31% | 99th top |
| Deposit Growth (Y/Y) | 26.09% | 3.69% | +22.40% | 98th top |
See Sidney Federal Savings and Loan Association's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sidney Federal Savings and Loan Association, 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 Sidney Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.