State Bank & Trust Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank & Trust Co. of Nevada, 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 | 1.48% | 1.34% | +0.14% | 62nd above |
| ROAE | 15.10% | 13.31% | +1.79% | 66th above |
| Net Interest Margin | 3.26% | 3.93% | -0.67% | 18th bottom |
| Efficiency Ratio | 48.23% | 61.14% | -12.91% | 84th top |
| PPNR / Avg Assets | 1.80% | 1.68% | +0.12% | 63rd above |
| Yield on Earning Assets | 4.38% | 5.67% | -1.29% | 7th bottom |
| Cost of Funds | 1.25% | 1.88% | -0.63% | 82nd top |
| Net Interest Spread | 2.61% | 3.32% | -0.71% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.27% | 0.94% | +0.33% | 23rd bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.66% | 0.70% | -0.04% | 31st below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 69th above |
| ACL / NPLs (Coverage) | 108.27% | 1538.97% | -1430.70% | 30th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.42% | 7.33% | -0.91% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.50% | 19.50% | -2.00% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.50% | 19.54% | -2.04% | 66th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.72% | 20.62% | -1.90% | 66th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.03% | 12.14% | -1.11% | 51st above |
| Equity / Assets | 9.86% | 11.37% | -1.51% | 42nd below |
| TCE / Tangible Assets | 9.86% | 11.09% | -1.23% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.11% | 80.64% | -21.53% | 84th top |
| Core Deposit Ratio | 97.41% | 86.86% | +10.55% | 94th top |
| Wholesale Funding Ratio | 1.55% | 5.03% | -3.48% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.38% | 6.85% | -5.47% | 28th below |
| Loan Growth (Y/Y) | -10.71% | 7.91% | -18.62% | 2nd bottom |
| Deposit Growth (Y/Y) | 1.50% | 6.29% | -4.79% | 32nd below |
See State Bank & Trust Co.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank & Trust Co., 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 & Trust Co. profile, how to read a UBPR, or how this data updates.