State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Waterloo, IL 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 | 0.52% | 1.25% | -0.73% | 12th bottom |
| ROAE | 6.82% | 13.17% | -6.35% | 19th bottom |
| Net Interest Margin | 3.41% | 3.95% | -0.54% | 23rd bottom |
| Efficiency Ratio | 79.85% | 61.50% | +18.35% | 13th bottom |
| PPNR / Avg Assets | 0.71% | — | — | 12th bottom |
| Yield on Earning Assets | 5.29% | 5.67% | -0.38% | 35th below |
| Cost of Funds | 2.01% | 1.87% | +0.14% | 37th below |
| Net Interest Spread | 3.02% | — | — | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.08% | 0.93% | +1.15% | 12th bottom |
| NPA / Total Assets | 2.52% | — | — | 5th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 36th below |
| ACL / Total Loans | 1.09% | — | — | 38th below |
| ACL / NPLs (Coverage) | 52.54% | — | — | 12th bottom |
| Texas Ratio | 29.89% | 7.34% | +22.55% | 3rd bottom |
| Provision / NCO | 7.50% | — | — | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.54% | 17.18% | -6.64% | 5th bottom |
| Tier 1 Ratio | 10.54% | 17.21% | -6.67% | 5th bottom |
| Total Capital Ratio | 11.41% | — | — | 4th bottom |
| Leverage Ratio | 9.23% | 11.75% | -2.52% | 16th bottom |
| Equity / Assets | 7.66% | 10.98% | -3.32% | 10th bottom |
| TCE / Tangible Assets | 7.66% | — | — | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.50% | 80.44% | -2.94% | 57th above |
| Core Deposit Ratio | 90.56% | 86.95% | +3.61% | 58th above |
| Wholesale Funding Ratio | 1.76% | — | — | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.23% | — | — | 7th bottom |
| Loan Growth (Y/Y) | 12.14% | — | — | 79th top |
| Deposit Growth (Y/Y) | 2.73% | — | — | 40th below |
See State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 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 State Bank profile, how to read a UBPR, or how this data updates.