Wahoo State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wahoo State Bank of Wahoo, NE 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 | 0.79% | 1.34% | -0.55% | 23rd bottom |
| ROAE | 9.76% | 13.32% | -3.56% | 34th below |
| Net Interest Margin | 3.74% | 3.93% | -0.19% | 39th below |
| Efficiency Ratio | 76.64% | 61.13% | +15.51% | 17th bottom |
| PPNR / Avg Assets | 0.84% | 1.68% | -0.84% | 16th bottom |
| Yield on Earning Assets | 5.21% | 5.67% | -0.46% | 31st below |
| Cost of Funds | 1.49% | 1.88% | -0.39% | 70th above |
| Net Interest Spread | 3.53% | 3.32% | +0.21% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 27th below |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.03% | 12.14% | -3.11% | 13th bottom |
| Equity / Assets | 8.17% | 11.37% | -3.20% | 15th bottom |
| TCE / Tangible Assets | 8.17% | 11.08% | -2.91% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.75% | 80.66% | +10.09% | 27th below |
| Core Deposit Ratio | 95.33% | 86.85% | +8.48% | 86th top |
| Wholesale Funding Ratio | 9.96% | 5.03% | +4.93% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.59% | 6.84% | -7.43% | 16th bottom |
| Loan Growth (Y/Y) | -4.20% | 7.92% | -12.12% | 9th bottom |
| Deposit Growth (Y/Y) | -0.41% | 6.29% | -6.70% | 21st bottom |
See Wahoo State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wahoo 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 Wahoo State Bank profile, how to read a UBPR, or how this data updates.