The State Bank of Toledo: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The State Bank of Toledo of Toledo, IA 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 Behind the peer average, ahead of the median peer. | 1.30% | 1.34% | -0.04% | 52nd above |
| ROAE Behind the peer average, ahead of the median peer. | 12.95% | 13.31% | -0.36% | 54th above |
| Net Interest Margin | 4.58% | 3.93% | +0.65% | 82nd top |
| Efficiency Ratio | 73.90% | 61.14% | +12.76% | 21st bottom |
| PPNR / Avg Assets | 1.27% | 1.68% | -0.41% | 32nd below |
| Yield on Earning Assets | 6.12% | 5.67% | +0.45% | 73rd above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.88% | -0.04% | 47th below |
| Net Interest Spread | 4.18% | 3.32% | +0.86% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.62% | 0.94% | +1.68% | 9th bottom |
| NPA / Total Assets | 2.42% | 0.70% | +1.72% | 5th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.89% | 1.28% | +0.61% | 92nd top |
| ACL / NPLs (Coverage) | 72.38% | 1538.88% | -1466.50% | 19th bottom |
| Texas Ratio | 20.82% | 7.33% | +13.49% | 7th bottom |
| Provision / NCO | 15.89% | 1395.76% | -1379.87% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.83% | 12.14% | -2.31% | 28th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.38% | 11.37% | -0.99% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.08% | 11.09% | -1.01% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.61% | 80.64% | +10.97% | 25th below |
| Core Deposit Ratio | 91.79% | 86.86% | +4.93% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.39% | 6.85% | -7.24% | 17th bottom |
| Loan Growth (Y/Y) | -3.05% | 7.90% | -10.95% | 12th bottom |
| Deposit Growth (Y/Y) | 0.66% | 6.29% | -5.63% | 27th below |
See The State Bank of Toledo's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The State Bank of Toledo, 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 The State Bank of Toledo profile, how to read a UBPR, or how this data updates.