Westside State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Westside State Bank of Westside, IA against its peer group of 2757 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 | 1.14% | 1.25% | -0.11% | 40th below |
| ROAE | 13.72% | 13.17% | +0.55% | 58th above |
| Net Interest Margin | 3.89% | 3.95% | -0.06% | 47th below |
| Efficiency Ratio | 62.48% | 61.50% | +0.98% | 46th below |
| PPNR / Avg Assets | 1.45% | — | — | 40th below |
| Yield on Earning Assets | 6.44% | 5.67% | +0.77% | 85th top |
| Cost of Funds | 2.66% | 1.87% | +0.79% | 11th bottom |
| Net Interest Spread | 3.19% | — | — | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.93% | -0.90% | 82nd top |
| NPA / Total Assets | 0.02% | — | — | 82nd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 28th below |
| ACL / Total Loans | 0.84% | — | — | 13th bottom |
| ACL / NPLs (Coverage) | 3247.54% | — | — | — |
| Texas Ratio | 14.57% | 6.06% | +8.51% | 10th bottom |
| Provision / NCO | 610.17% | — | — | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.29% | 17.18% | -4.89% | 20th bottom |
| Tier 1 Ratio | 12.29% | 17.21% | -4.92% | 20th bottom |
| Total Capital Ratio | 13.32% | — | — | 20th bottom |
| Leverage Ratio | 8.82% | 11.75% | -2.93% | 10th bottom |
| Equity / Assets | 9.00% | 10.98% | -1.98% | 27th below |
| TCE / Tangible Assets | 8.74% | — | — | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 112.85% | 80.44% | +32.41% | 2nd bottom |
| Core Deposit Ratio | 82.03% | 86.95% | -4.92% | 21st bottom |
| Wholesale Funding Ratio | 12.98% | — | — | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.47% | — | — | 80th top |
| Loan Growth (Y/Y) | 12.70% | — | — | 81st top |
| Deposit Growth (Y/Y) | 15.70% | — | — | 91st top |
See Westside State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Westside 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 Westside State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Westside State Bank peer analysis.