South Story Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks South Story Bank & Trust of Slater, IA 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 | 0.76% | 1.35% | -0.59% | 21st bottom |
| ROAE | 6.37% | 13.33% | -6.96% | 19th bottom |
| Net Interest Margin | 4.06% | 3.93% | +0.13% | 56th above |
| Efficiency Ratio | 71.21% | 61.13% | +10.08% | 26th below |
| PPNR / Avg Assets | 1.24% | 1.68% | -0.44% | 30th below |
| Yield on Earning Assets | 6.53% | 5.67% | +0.86% | 88th top |
| Cost of Funds | 2.78% | 1.88% | +0.90% | 9th bottom |
| Net Interest Spread | 3.49% | 3.32% | +0.17% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 0.94% | -0.16% | 34th below |
| NPA / Total Assets | 0.87% | 0.70% | +0.17% | 23rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.28% | -0.03% | 56th above |
| ACL / NPLs (Coverage) | 160.76% | 1547.04% | -1386.28% | 42nd below |
| Texas Ratio | 7.51% | 7.34% | +0.17% | 29th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 475.86% | 1395.71% | -919.85% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.93% | 12.14% | -1.21% | 49th below |
| Equity / Assets | 11.73% | 11.36% | +0.37% | 69th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.59% | 11.08% | -0.49% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 116.55% | 80.64% | +35.91% | 2nd bottom |
| Core Deposit Ratio | 70.23% | 86.86% | -16.63% | 5th bottom |
| Wholesale Funding Ratio | 8.65% | 5.03% | +3.62% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.65% | 6.85% | -6.20% | 23rd bottom |
| Loan Growth (Y/Y) | 2.13% | 7.92% | -5.79% | 32nd below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.52% | 6.29% | -0.77% | 61st above |
See South Story Bank & Trust's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock South Story Bank & Trust, 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 Story Bank & Trust profile, how to read a UBPR, or how this data updates.