The Valley State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Valley State Bank of Belle Plaine, KS against its peer group of 2757 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 | 0.37% | 1.25% | -0.88% | 8th bottom |
| ROAE | 3.36% | 13.17% | -9.81% | 9th bottom |
| Net Interest Margin | 4.11% | 3.95% | +0.16% | 59th above |
| Efficiency Ratio | 70.03% | 61.50% | +8.53% | 27th below |
| PPNR / Avg Assets | 1.28% | — | — | 32nd below |
| Yield on Earning Assets | 5.46% | 5.67% | -0.21% | 43rd below |
| Cost of Funds | 1.51% | 1.87% | -0.36% | 69th above |
| Net Interest Spread | 3.63% | — | — | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.93% | -0.84% | 74th above |
| NPA / Total Assets | 0.10% | — | — | 69th above |
| NCO / Avg Loans | 2.24% | 0.15% | +2.09% | 1st bottom |
| ACL / Total Loans | 0.96% | — | — | 21st bottom |
| ACL / NPLs (Coverage) | 1034.65% | — | — | — |
| Texas Ratio | 0.89% | 6.06% | -5.17% | 70th above |
| Provision / NCO | 89.91% | — | — | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.18% | 11.75% | +0.43% | 66th above |
| Equity / Assets | 11.24% | 10.98% | +0.26% | 63rd above |
| TCE / Tangible Assets | 11.24% | — | — | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.67% | 80.44% | -17.77% | 81st top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.64% | 86.95% | +0.69% | 42nd below |
| Wholesale Funding Ratio | 0.84% | — | — | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.55% | — | — | 51st above |
| Loan Growth (Y/Y) | 2.24% | — | — | 31st below |
| Deposit Growth (Y/Y) | 6.53% | — | — | 67th above |
See The Valley State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Valley State 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 The Valley State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the The Valley State Bank peer analysis.