United Bank of Iowa: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Bank of Iowa of Ida Grove, IA against its peer group of 927 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 Behind the peer average, ahead of the median peer. | 1.30% | 1.46% | -0.16% | 52nd above |
| ROAE | 14.55% | 12.69% | +1.86% | 68th above |
| Net Interest Margin | 2.96% | 3.85% | -0.89% | 13th bottom |
| Efficiency Ratio | 55.87% | 57.40% | -1.53% | 59th above |
| PPNR / Avg Assets | 1.40% | 1.88% | -0.48% | 31st below |
| Yield on Earning Assets | 5.08% | 5.72% | -0.64% | 24th bottom |
| Cost of Funds | 2.01% | 2.02% | -0.01% | 51st above |
| Net Interest Spread | 2.38% | 3.18% | -0.80% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 1.00% | -0.75% | 77th top |
| NPA / Total Assets | 0.17% | 0.76% | -0.59% | 79th top |
| NCO / Avg Loans | -0.02% | 0.43% | -0.45% | 94th top |
| ACL / Total Loans | 1.37% | 1.31% | +0.06% | 77th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 555.61% | 564.37% | -8.76% | 83rd top |
| Texas Ratio | 1.89% | 7.39% | -5.50% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.34% | 11.44% | -1.10% | 46th below |
| Equity / Assets | 9.18% | 11.34% | -2.16% | 25th below |
| TCE / Tangible Assets | 8.67% | 10.50% | -1.83% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.60% | 86.96% | -1.36% | 57th above |
| Core Deposit Ratio | 81.62% | 85.56% | -3.94% | 24th bottom |
| Uninsured Deposit Ratio | 18.23% | 33.14% | -14.91% | 87th top |
| Wholesale Funding Ratio | 11.65% | 5.69% | +5.96% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.27% | 9.69% | -6.42% | 36th below |
| Loan Growth (Y/Y) | 4.94% | 8.06% | -3.12% | 46th below |
| Deposit Growth (Y/Y) | 3.76% | 7.88% | -4.12% | 43rd below |
See United Bank of Iowa's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Bank of Iowa, 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 United Bank of Iowa profile, how to read a UBPR, or how this data updates.