State Bank Financial: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank Financial of La Crosse, WI against its peer group of 2672 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 | 1.38% | 1.35% | +0.03% | 57th above |
| ROAE | 15.50% | 12.05% | +3.45% | 69th above |
| Net Interest Margin | 3.31% | 3.90% | -0.59% | 20th bottom |
| Efficiency Ratio | 57.04% | 63.15% | -6.11% | 63rd above |
| PPNR / Avg Assets | 1.49% | 1.64% | -0.15% | 44th below |
| Yield on Earning Assets | 5.12% | 5.65% | -0.53% | 28th below |
| Cost of Funds | 1.97% | 1.85% | +0.12% | 39th below |
| Net Interest Spread | 3.11% | 3.35% | -0.24% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.92% | -0.81% | 72nd above |
| NPA / Total Assets | 0.07% | 0.67% | -0.60% | 74th above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 83rd top |
| ACL / Total Loans | 0.87% | 1.28% | -0.41% | 15th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 809.36% | 1645.49% | -836.13% | 80th top |
| Texas Ratio | 0.78% | 7.15% | -6.37% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.73% | 20.83% | -7.10% | 36th below |
| Tier 1 Ratio | 13.73% | 20.87% | -7.14% | 36th below |
| Total Capital Ratio | 14.65% | 21.94% | -7.29% | 34th below |
| Leverage Ratio | 9.94% | 12.46% | -2.52% | 30th below |
| Equity / Assets | 9.36% | 11.67% | -2.31% | 33rd below |
| TCE / Tangible Assets | 8.87% | 11.40% | -2.53% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 79.18% | 78.64% | +0.54% | 53rd above |
| Core Deposit Ratio | 98.25% | 87.09% | +11.16% | 96th top |
| Wholesale Funding Ratio | 2.67% | 5.11% | -2.44% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.80% | 6.48% | -4.68% | 31st below |
| Loan Growth (Y/Y) | 15.21% | 7.64% | +7.57% | 86th top |
| Deposit Growth (Y/Y) | 3.08% | 6.02% | -2.94% | 43rd below |
See State Bank Financial's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank Financial, 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 Financial profile, how to read a UBPR, or how this data updates.