Waukon State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Waukon State Bank of Waukon, 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 | 1.92% | 1.34% | +0.58% | 83rd top |
| ROAE | 18.57% | 13.31% | +5.26% | 82nd top |
| Net Interest Margin | 3.73% | 3.93% | -0.20% | 38th below |
| Efficiency Ratio | 45.64% | 61.15% | -15.51% | 89th top |
| PPNR / Avg Assets | 2.00% | 1.68% | +0.32% | 72nd above |
| Yield on Earning Assets | 5.68% | 5.67% | +0.01% | 54th above |
| Cost of Funds | 2.11% | 1.88% | +0.23% | 31st below |
| Net Interest Spread | 3.17% | 3.32% | -0.15% | 42nd below |
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 | 1.41% | 1.28% | +0.13% | 72nd above |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.44% | 12.14% | -1.70% | 40th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.54% | 11.37% | -0.83% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.54% | 11.09% | -0.55% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.47% | 80.63% | +15.84% | 16th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.91% | 86.86% | +1.05% | 43rd below |
| Wholesale Funding Ratio | 2.93% | 5.03% | -2.10% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.46% | 6.85% | -3.39% | 43rd below |
| Loan Growth (Y/Y) | 1.70% | 7.91% | -6.21% | 30th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.61% | 6.29% | -0.68% | 61st above |
See Waukon State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Waukon 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 Waukon State Bank profile, how to read a UBPR, or how this data updates.