West Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Bank of West Des Moines, IA against its peer group of 931 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 | 1.19% | 1.44% | -0.25% | 43rd below |
| ROAE | 13.18% | 12.50% | +0.68% | 57th above |
| Net Interest Margin | 2.77% | 3.84% | -1.07% | 8th bottom |
| Efficiency Ratio | 45.46% | 58.89% | -13.43% | 86th top |
| PPNR / Avg Assets | 1.55% | 1.78% | -0.23% | 39th below |
| Yield on Earning Assets | 4.96% | 5.71% | -0.75% | 18th bottom |
| Cost of Funds | 2.37% | 2.03% | +0.34% | 27th below |
| Net Interest Spread | 2.17% | 3.18% | -1.01% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.97% | -0.94% | 95th top |
| NPA / Total Assets | 0.02% | 0.75% | -0.73% | 94th top |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 84th top |
| ACL / Total Loans | 1.03% | 1.25% | -0.22% | 34th below |
| ACL / NPLs (Coverage) | 4076.10% | 695.09% | +3381.01% | — |
| Texas Ratio | 0.18% | 7.17% | -6.99% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.03% | 17.41% | -4.38% | 42nd below |
| Tier 1 Ratio | 13.03% | 17.45% | -4.42% | 42nd below |
| Total Capital Ratio | 13.97% | 18.51% | -4.54% | 39th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.79% | 11.60% | -0.81% | 57th above |
| Equity / Assets | 9.39% | 11.33% | -1.94% | 29th below |
| TCE / Tangible Assets | 9.39% | 10.65% | -1.26% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 88.02% | 86.35% | +1.67% | 51st above |
| Core Deposit Ratio | 89.36% | 85.55% | +3.81% | 55th above |
| Uninsured Deposit Ratio | 49.50% | 32.69% | +16.81% | 10th bottom |
| Wholesale Funding Ratio | 6.70% | 5.45% | +1.25% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.66% | 10.47% | -11.13% | 13th bottom |
| Loan Growth (Y/Y) | -0.54% | 8.00% | -8.54% | 15th bottom |
| Deposit Growth (Y/Y) | -1.34% | 7.99% | -9.33% | 12th bottom |
See West Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West 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 West Bank profile, how to read a UBPR, or how this data updates.