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 Bedford, 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 | 1.99% | 1.35% | +0.64% | 85th top |
| ROAE | 17.75% | 12.05% | +5.70% | 79th top |
| Net Interest Margin | 4.24% | 3.90% | +0.34% | 67th above |
| Efficiency Ratio | 35.64% | 63.16% | -27.52% | 98th top |
| PPNR / Avg Assets | 2.33% | 1.64% | +0.69% | 85th top |
| Yield on Earning Assets | 6.30% | 5.65% | +0.65% | 81st top |
| Cost of Funds | 2.23% | 1.85% | +0.38% | 24th bottom |
| Net Interest Spread | 3.48% | 3.35% | +0.13% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.92% | -0.53% | 51st above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.37% | 0.67% | -0.30% | 46th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 22nd bottom |
| ACL / Total Loans | 0.87% | 1.28% | -0.41% | 15th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 222.83% | 1645.74% | -1422.91% | 51st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.21% | 7.15% | -0.94% | 35th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 508.00% | 1189.61% | -681.61% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.04% | 12.46% | -2.42% | 33rd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.17% | 11.67% | -0.50% | 62nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.04% | 11.40% | -1.36% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.24% | 78.63% | +23.61% | 9th bottom |
| Core Deposit Ratio | 91.65% | 87.09% | +4.56% | 65th above |
| Wholesale Funding Ratio | 0.90% | 5.12% | -4.22% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.03% | 6.47% | +2.56% | 79th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.07% | 7.64% | -0.57% | 60th above |
| Deposit Growth (Y/Y) | 9.88% | 6.02% | +3.86% | 82nd top |
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.