Twin Cedars Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Twin Cedars Bank of Bussey, IA against its peer group of 2603 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 | -4.12% | 1.35% | -5.47% | 1st bottom |
| ROAE | -39.13% | 13.33% | -52.46% | 1st bottom |
| Net Interest Margin | 3.63% | 3.93% | -0.30% | 33rd below |
| Efficiency Ratio | 137.79% | 61.12% | +76.67% | 1st bottom |
| PPNR / Avg Assets | -1.49% | 1.68% | -3.17% | 1st bottom |
| Yield on Earning Assets | 6.29% | 5.67% | +0.62% | 80th top |
| Cost of Funds | 2.89% | 1.88% | +1.01% | 7th bottom |
| Net Interest Spread | 2.75% | 3.32% | -0.57% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.01% | 0.94% | +3.07% | 3rd bottom |
| NPA / Total Assets | 3.08% | 0.70% | +2.38% | 3rd bottom |
| NCO / Avg Loans | 2.80% | 0.16% | +2.64% | 1st bottom |
| ACL / Total Loans | 2.88% | 1.28% | +1.60% | 98th top |
| ACL / NPLs (Coverage) | 71.90% | 1546.30% | -1474.40% | 19th bottom |
| Texas Ratio | 28.90% | 7.33% | +21.57% | 3rd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 177.84% | 1395.08% | -1217.24% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.94% | 19.49% | -6.55% | 27th below |
| Tier 1 Ratio | 12.94% | 19.52% | -6.58% | 27th below |
| Total Capital Ratio | 14.21% | 20.61% | -6.40% | 29th below |
| Leverage Ratio | 9.19% | 12.14% | -2.95% | 15th bottom |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.85% | 11.36% | -0.51% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.13% | 11.08% | -0.95% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.78% | 80.66% | +6.12% | 36th below |
| Core Deposit Ratio | 95.78% | 86.85% | +8.93% | 87th 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. | 4.46% | 6.84% | -2.38% | 50th above |
| Loan Growth (Y/Y) | -3.42% | 7.92% | -11.34% | 11th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.04% | 6.29% | -0.25% | 64th above |
See Twin Cedars Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Twin Cedars 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 Twin Cedars Bank profile, how to read a UBPR, or how this data updates.