State Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Savings Bank of Frankfort, MI 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 | 0.26% | 1.34% | -1.08% | 8th bottom |
| ROAE | 2.91% | 13.32% | -10.41% | 9th bottom |
| Net Interest Margin | 4.76% | 3.93% | +0.83% | 87th top |
| Efficiency Ratio | 94.07% | 61.13% | +32.94% | 4th bottom |
| PPNR / Avg Assets | 0.29% | 1.68% | -1.39% | 5th bottom |
| Yield on Earning Assets | 6.16% | 5.67% | +0.49% | 76th top |
| Cost of Funds | 1.43% | 1.88% | -0.45% | 73rd above |
| Net Interest Spread | 4.05% | 3.32% | +0.73% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.94% | -0.75% | 64th above |
| NPA / Total Assets | 0.15% | 0.70% | -0.55% | 65th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 75th top |
| ACL / Total Loans | 0.84% | 1.28% | -0.44% | 13th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 433.02% | 1539.18% | -1106.16% | 68th above |
| Texas Ratio | 1.68% | 7.33% | -5.65% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 8.79% | 12.14% | -3.35% | 10th bottom |
| Equity / Assets | 8.58% | 11.38% | -2.80% | 21st bottom |
| TCE / Tangible Assets | 8.58% | 11.09% | -2.51% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.33% | 80.64% | +2.69% | 44th below |
| Core Deposit Ratio | 96.88% | 86.86% | +10.02% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.30% | 6.85% | -1.55% | 57th above |
| Loan Growth (Y/Y) | 10.73% | 7.90% | +2.83% | 76th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.37% | 6.29% | -0.92% | 60th above |
See State Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Savings 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 Savings Bank profile, how to read a UBPR, or how this data updates.