West Iowa Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Iowa Bank of West Bend, 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 | 1.11% | 1.34% | -0.23% | 39th below |
| ROAE | 8.94% | 13.32% | -4.38% | 30th below |
| Net Interest Margin | 3.17% | 3.93% | -0.76% | 15th bottom |
| Efficiency Ratio | 53.64% | 61.14% | -7.50% | 73rd above |
| PPNR / Avg Assets | 1.38% | 1.68% | -0.30% | 38th below |
| Yield on Earning Assets | 4.42% | 5.67% | -1.25% | 7th bottom |
| Cost of Funds | 1.47% | 1.88% | -0.41% | 71st above |
| Net Interest Spread | 2.37% | 3.32% | -0.95% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 84th top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 86th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 39th below |
| ACL / NPLs (Coverage) | 12091.67% | 1536.19% | +10555.48% | — |
| Texas Ratio | 0.05% | 7.33% | -7.28% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.89% | 12.14% | -0.25% | 63rd above |
| Equity / Assets | 12.84% | 11.37% | +1.47% | 77th top |
| TCE / Tangible Assets | 11.30% | 11.09% | +0.21% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.63% | 80.64% | -9.01% | 68th above |
| Core Deposit Ratio | 90.81% | 86.86% | +3.95% | 60th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.40% | 5.03% | -0.63% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 33.75% | 6.85% | +26.90% | 98th top |
| Loan Growth (Y/Y) | 44.33% | 7.90% | +36.43% | 98th top |
| Deposit Growth (Y/Y) | 38.19% | 6.28% | +31.91% | 98th top |
See West Iowa Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Iowa 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 Iowa Bank profile, how to read a UBPR, or how this data updates.