South Ottumwa Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks South Ottumwa Savings Bank of Ottumwa, 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 | 1.42% | 1.34% | +0.08% | 59th above |
| ROAE | 10.45% | 13.32% | -2.87% | 39th below |
| Net Interest Margin | 3.36% | 3.93% | -0.57% | 22nd bottom |
| Efficiency Ratio | 54.18% | 61.14% | -6.96% | 71st above |
| PPNR / Avg Assets | 1.53% | 1.68% | -0.15% | 47th below |
| Yield on Earning Assets | 4.74% | 5.67% | -0.93% | 15th bottom |
| Cost of Funds | 1.53% | 1.88% | -0.35% | 68th above |
| Net Interest Spread | 2.79% | 3.32% | -0.53% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.43% | 0.94% | -0.51% | 49th below |
| NPA / Total Assets | 0.25% | 0.70% | -0.45% | 56th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 34th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 249.46% | 1539.45% | -1289.99% | 54th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.99% | 7.33% | -3.34% | 47th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 266.67% | 1396.43% | -1129.76% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.33% | 19.50% | -1.17% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.33% | 19.54% | -1.21% | 71st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.24% | 20.62% | -1.38% | 70th above |
| Leverage Ratio | 13.00% | 12.14% | +0.86% | 75th top |
| Equity / Assets | 13.53% | 11.37% | +2.16% | 82nd top |
| TCE / Tangible Assets | 11.62% | 11.09% | +0.53% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.45% | 80.64% | -12.19% | 73rd above |
| Core Deposit Ratio | 92.52% | 86.86% | +5.66% | 71st above |
| Wholesale Funding Ratio | 2.21% | 5.04% | -2.83% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.48% | 6.85% | +0.63% | 72nd above |
| Loan Growth (Y/Y) | 0.04% | 7.91% | -7.87% | 23rd bottom |
| Deposit Growth (Y/Y) | 7.51% | 6.29% | +1.22% | 73rd above |
See South Ottumwa Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock South Ottumwa Savings 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 South Ottumwa Savings Bank profile, how to read a UBPR, or how this data updates.