Spring Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Spring Bank of Brookfield, WI 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 | 1.59% | 1.25% | +0.34% | 67th above |
| ROAE | 14.13% | 12.22% | +1.91% | 60th above |
| Net Interest Margin | 3.68% | 3.95% | -0.27% | 35th below |
| Efficiency Ratio | 46.04% | 63.71% | -17.67% | 88th top |
| PPNR / Avg Assets | 2.02% | — | — | 73rd above |
| Yield on Earning Assets | 6.41% | 5.67% | +0.74% | 84th top |
| Cost of Funds | 3.04% | 1.87% | +1.17% | 5th bottom |
| Net Interest Spread | 3.00% | — | — | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.70% | 0.88% | +1.82% | 7th bottom |
| NPA / Total Assets | 2.26% | — | — | 6th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.32% | — | — | 64th above |
| ACL / NPLs (Coverage) | 48.75% | — | — | 10th bottom |
| Texas Ratio | 18.33% | 5.96% | +12.37% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.57% | 11.75% | -0.18% | 59th above |
| Equity / Assets | 11.24% | 10.98% | +0.26% | 63rd above |
| TCE / Tangible Assets | 11.24% | — | — | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 111.13% | 80.44% | +30.69% | 3rd bottom |
| Core Deposit Ratio | 76.26% | 86.95% | -10.69% | 10th bottom |
| Wholesale Funding Ratio | 12.53% | — | — | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.59% | — | — | 59th above |
| Loan Growth (Y/Y) | 3.83% | — | — | 40th below |
| Deposit Growth (Y/Y) | 4.88% | — | — | 56th above |
See Spring Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Spring 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 Spring 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 Spring Bank peer analysis.