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 Spencer, IA against its peer group of 578 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 | 1.06% | 0.85% | +0.21% | 50th above |
| ROAE | 13.01% | 5.23% | +7.78% | 72nd above |
| Net Interest Margin | 4.25% | 3.94% | +0.31% | 65th above |
| Efficiency Ratio | 76.70% | 76.13% | +0.57% | 36th below |
| PPNR / Avg Assets | 1.07% | — | — | 40th below |
| Yield on Earning Assets | 5.60% | 5.42% | +0.18% | 66th above |
| Cost of Funds | 1.44% | 1.69% | -0.25% | 56th above |
| Net Interest Spread | 3.88% | — | — | 73rd 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. | 0.70% | 1.23% | -0.53% | 42nd below |
| NPA / Total Assets | 0.48% | — | — | 36th below |
| NCO / Avg Loans | -0.01% | 0.11% | -0.12% | 80th top |
| ACL / Total Loans | 1.13% | — | — | 41st below |
| ACL / NPLs (Coverage) | 162.40% | — | — | 55th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.30% | 7.23% | -1.93% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.56% | 25.12% | -11.56% | 11th bottom |
| Tier 1 Ratio | 13.56% | 25.12% | -11.56% | 11th bottom |
| Total Capital Ratio | 14.81% | — | — | 12th bottom |
| Leverage Ratio | 8.31% | 14.13% | -5.82% | 5th bottom |
| Equity / Assets | 8.27% | 13.07% | -4.80% | 10th bottom |
| TCE / Tangible Assets | 8.27% | — | — | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.61% | 68.58% | +7.03% | 38th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.37% | 88.79% | +1.58% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.61% | — | — | 25th below |
| Loan Growth (Y/Y) | 1.62% | — | — | 46th below |
| Deposit Growth (Y/Y) | -0.21% | — | — | 32nd below |
See State Bank's peers by name
The 578 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the State Bank peer analysis.