State Bank of Schaller: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Schaller of Schaller, IA against its peer group of 506 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 | 0.81% | 3.13% | -2.32% | 39th below |
| ROAE | 6.22% | 10.31% | -4.09% | 36th below |
| Net Interest Margin | 3.00% | 3.94% | -0.94% | 14th bottom |
| Efficiency Ratio | 56.41% | 76.34% | -19.93% | 77th top |
| PPNR / Avg Assets | 1.17% | 1.40% | -0.23% | 47th below |
| Yield on Earning Assets | 5.00% | 5.35% | -0.35% | 41st below |
| Cost of Funds | 1.93% | 1.70% | +0.23% | 32nd below |
| Net Interest Spread | 2.66% | 3.32% | -0.66% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.95% | 1.34% | -0.39% | 32nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.24% | 0.71% | -0.47% | 44th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.10% | -0.06% | 21st bottom |
| ACL / Total Loans | 1.04% | 1.49% | -0.45% | 32nd below |
| ACL / NPLs (Coverage) | 109.38% | 866.43% | -757.05% | 40th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.67% | 8.26% | -1.59% | 28th below |
| Provision / NCO | 0.00% | 290.77% | -290.77% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.27% | 17.65% | -4.38% | 51st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.46% | 16.45% | -2.99% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.46% | 16.20% | -2.74% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 28.86% | 72.88% | -44.02% | 92nd top |
| Core Deposit Ratio | 88.27% | 88.28% | -0.01% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.56% | 4.26% | -1.70% | 49th below |
| Loan Growth (Y/Y) | -3.51% | 6.76% | -10.27% | 25th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.73% | 3.72% | -0.99% | 54th above |
See State Bank of Schaller's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Schaller, 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 of Schaller profile, how to read a UBPR, or how this data updates.