Tri-Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tri-Valley Bank of Randolph, IA against its peer group of 536 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 | 0.55% | 3.14% | -2.59% | 28th below |
| ROAE Behind the peer average, ahead of the median peer. | 9.25% | 10.42% | -1.17% | 54th above |
| Net Interest Margin | 4.10% | 3.93% | +0.17% | 61st above |
| Efficiency Ratio | 80.43% | 76.29% | +4.14% | 31st below |
| PPNR / Avg Assets | 0.78% | 1.40% | -0.62% | 30th below |
| Yield on Earning Assets | 5.35% | 5.35% | +0.00% | 55th above |
| Cost of Funds | 1.26% | 1.71% | -0.45% | 66th above |
| Net Interest Spread | 3.65% | 3.31% | +0.34% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.88% | 1.33% | +3.55% | 5th bottom |
| NPA / Total Assets | 2.93% | 0.70% | +2.23% | 5th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.11% | -0.06% | 19th bottom |
| ACL / Total Loans | 2.31% | 1.48% | +0.83% | 87th top |
| ACL / NPLs (Coverage) | 47.34% | 866.92% | -819.58% | 16th bottom |
| Texas Ratio | 39.06% | 8.18% | +30.88% | 3rd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 153.08% | 315.28% | -162.20% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.25% | 17.62% | -8.37% | 12th bottom |
| Equity / Assets | 6.10% | 16.45% | -10.35% | 3rd bottom |
| TCE / Tangible Assets | 6.10% | 16.20% | -10.10% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.04% | 72.85% | -8.81% | 54th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.44% | 88.21% | +0.23% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.21% | 4.32% | -7.53% | 18th bottom |
| Loan Growth (Y/Y) | -2.01% | 6.74% | -8.75% | 32nd below |
| Deposit Growth (Y/Y) | -3.42% | 3.79% | -7.21% | 18th bottom |
See Tri-Valley Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tri-Valley 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 Tri-Valley Bank profile, how to read a UBPR, or how this data updates.