State Central Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Central Bank of Bonaparte, 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 | 1.55% | 0.85% | +0.70% | 70th above |
| ROAE | 9.17% | 5.23% | +3.94% | 52nd above |
| Net Interest Margin | 5.06% | 3.94% | +1.12% | 88th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 72.38% | 74.96% | -2.58% | 44th below |
| PPNR / Avg Assets | 1.55% | — | — | 62nd above |
| Yield on Earning Assets | 6.79% | 5.42% | +1.37% | 92nd top |
| Cost of Funds | 2.01% | 1.69% | +0.32% | 28th below |
| Net Interest Spread | 4.39% | — | — | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.08% | 1.34% | -0.26% | 29th below |
| NPA / Total Assets | 0.63% | — | — | 27th below |
| NCO / Avg Loans | -0.10% | 0.11% | -0.21% | 93rd top |
| ACL / Total Loans | 1.94% | — | — | 82nd top |
| ACL / NPLs (Coverage) | 179.05% | — | — | 54th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.60% | 7.23% | -3.63% | 38th below |
| Provision / NCO | 0.00% | — | — | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.11% | 14.13% | +1.98% | 70th above |
| Equity / Assets | 16.88% | 13.07% | +3.81% | 73rd above |
| TCE / Tangible Assets | 16.88% | — | — | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.14% | 68.58% | +4.56% | 42nd below |
| Core Deposit Ratio | 98.73% | 88.79% | +9.94% | 92nd top |
| Wholesale Funding Ratio | 3.00% | — | — | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.75% | — | — | 88th top |
| Loan Growth (Y/Y) | 40.53% | — | — | 96th top |
| Deposit Growth (Y/Y) | 6.32% | — | — | 69th above |
See State Central Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Central 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 State Central 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 State Central Bank peer analysis.