Visionbank of Iowa: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Visionbank of Iowa of Ames, 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 | 1.57% | 1.34% | +0.23% | 67th above |
| ROAE | 15.29% | 13.31% | +1.98% | 67th above |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 59.85% | 61.14% | -1.29% | 55th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.64% | 1.68% | -0.04% | 53rd above |
| Yield on Earning Assets | 5.72% | 5.67% | +0.05% | 56th above |
| Cost of Funds | 2.11% | 1.88% | +0.23% | 31st below |
| Net Interest Spread | 3.20% | 3.32% | -0.12% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.71% | 0.94% | -0.23% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.61% | 0.70% | -0.09% | 33rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 40th below |
| ACL / NPLs (Coverage) | 155.87% | 1539.99% | -1384.12% | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.00% | 7.33% | -1.33% | 35th below |
| Provision / NCO | 0.00% | 1397.33% | -1397.33% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.95% | 19.51% | -8.56% | 8th bottom |
| Tier 1 Ratio | 10.95% | 19.55% | -8.60% | 8th bottom |
| Total Capital Ratio | 12.04% | 20.63% | -8.59% | 8th bottom |
| Leverage Ratio | 9.43% | 12.14% | -2.71% | 20th bottom |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.54% | 11.38% | -0.84% | 53rd above |
| TCE / Tangible Assets | 9.42% | 11.09% | -1.67% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.51% | 80.62% | +18.89% | 12th bottom |
| Core Deposit Ratio | 97.80% | 86.85% | +10.95% | 95th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.44% | 5.03% | -0.59% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.86% | 6.86% | -8.72% | 11th bottom |
| Loan Growth (Y/Y) | -0.20% | 7.91% | -8.11% | 22nd bottom |
| Deposit Growth (Y/Y) | -1.63% | 6.29% | -7.92% | 15th bottom |
See Visionbank of Iowa's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Visionbank 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 Visionbank of Iowa profile, how to read a UBPR, or how this data updates.