Sidney State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sidney State Bank of Sidney, MI against its peer group of 2757 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 | 1.90% | 1.25% | +0.65% | 82nd top |
| ROAE | 20.19% | 12.22% | +7.97% | 87th top |
| Net Interest Margin | 4.97% | 3.95% | +1.02% | 92nd top |
| Efficiency Ratio | 51.35% | 63.71% | -12.36% | 78th top |
| PPNR / Avg Assets | 2.50% | — | — | 89th top |
| Yield on Earning Assets | 6.11% | 5.67% | +0.44% | 73rd above |
| Cost of Funds | 1.24% | 1.87% | -0.63% | 83rd top |
| Net Interest Spread | 4.66% | — | — | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.88% | -0.82% | 78th top |
| NPA / Total Assets | 0.11% | — | — | 69th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 81st top |
| ACL / Total Loans | 1.67% | — | — | 86th top |
| ACL / NPLs (Coverage) | 2810.91% | — | — | — |
| Texas Ratio | 1.04% | 5.96% | -4.92% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.65% | 11.75% | -2.10% | 24th bottom |
| Equity / Assets | 9.75% | 10.98% | -1.23% | 39th below |
| TCE / Tangible Assets | 9.75% | — | — | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.10% | 80.44% | -5.34% | 62nd above |
| Core Deposit Ratio | 95.01% | 86.95% | +8.06% | 84th top |
| Wholesale Funding Ratio | 0.72% | — | — | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.34% | — | — | 4th bottom |
| Loan Growth (Y/Y) | -2.69% | — | — | 12th bottom |
| Deposit Growth (Y/Y) | -6.85% | — | — | 4th bottom |
See Sidney State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sidney 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 Sidney State 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 Sidney State Bank peer analysis.