Southwind Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southwind Bank of Natoma, KS 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 | 1.35% | 1.34% | +0.01% | 55th above |
| ROAE | 19.63% | 13.32% | +6.31% | 86th top |
| Net Interest Margin | 3.80% | 3.93% | -0.13% | 42nd below |
| Efficiency Ratio | 47.72% | 61.13% | -13.41% | 85th top |
| PPNR / Avg Assets | 1.92% | 1.68% | +0.24% | 69th above |
| Yield on Earning Assets | 4.87% | 5.67% | -0.80% | 18th bottom |
| Cost of Funds | 1.04% | 1.88% | -0.84% | 90th top |
| Net Interest Spread | 3.10% | 3.32% | -0.22% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 0.94% | -0.57% | 52nd above |
| NPA / Total Assets | 0.19% | 0.70% | -0.51% | 61st above |
| NCO / Avg Loans | 0.55% | 0.16% | +0.39% | 5th bottom |
| ACL / Total Loans | 1.54% | 1.28% | +0.26% | 81st top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 416.14% | 1546.34% | -1130.20% | 67th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.83% | 7.34% | -2.51% | 42nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 143.41% | 1395.21% | -1251.80% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.42% | 12.14% | -1.72% | 40th below |
| Equity / Assets | 6.91% | 11.37% | -4.46% | 6th bottom |
| TCE / Tangible Assets | 6.91% | 11.08% | -4.17% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.21% | 80.67% | -26.46% | 88th top |
| Core Deposit Ratio | 93.24% | 86.85% | +6.39% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.91% | 6.84% | +1.07% | 75th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.97% | 7.92% | -0.95% | 60th above |
| Deposit Growth (Y/Y) | 9.28% | 6.29% | +2.99% | 80th top |
See Southwind Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southwind 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 Southwind Bank profile, how to read a UBPR, or how this data updates.