The State Bank: 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 Spirit Lake, 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 | 1.23% | 0.85% | +0.38% | 59th above |
| ROAE | 15.02% | 5.23% | +9.79% | 80th top |
| Net Interest Margin | 2.84% | 3.94% | -1.10% | 11th bottom |
| Efficiency Ratio | 55.93% | 76.13% | -20.20% | 79th top |
| PPNR / Avg Assets | 1.26% | — | — | 51st above |
| Yield on Earning Assets | 4.34% | 5.42% | -1.08% | 18th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.63% | 1.69% | -0.06% | 45th below |
| Net Interest Spread | 2.44% | — | — | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.23% | -1.23% | 86th top |
| NPA / Total Assets | 0.51% | — | — | 35th below |
| NCO / Avg Loans | 0.12% | 0.11% | +0.01% | 14th bottom |
| ACL / Total Loans | 2.96% | — | — | 92nd top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.02% | 7.23% | -2.21% | 31st below |
| Provision / NCO | 0.00% | — | — | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.73% | 14.13% | -2.40% | 35th below |
| Equity / Assets | 8.71% | 13.07% | -4.36% | 13th bottom |
| TCE / Tangible Assets | 8.71% | — | — | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.67% | 68.58% | -14.91% | 67th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.40% | 88.79% | +1.61% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.78% | — | — | 47th below |
| Loan Growth (Y/Y) | -5.89% | — | — | 15th bottom |
| Deposit Growth (Y/Y) | 1.36% | — | — | 44th below |
See The State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The 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 The 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 The State Bank peer analysis.