White State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks White State Bank of South English, 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 | 1.72% | 1.25% | +0.47% | 74th above |
| ROAE | 16.02% | 12.22% | +3.80% | 71st above |
| Net Interest Margin | 3.43% | 3.95% | -0.52% | 24th bottom |
| Efficiency Ratio | 42.60% | 63.71% | -21.11% | 92nd top |
| PPNR / Avg Assets | 2.00% | — | — | 72nd above |
| Yield on Earning Assets | 4.58% | 5.67% | -1.09% | 10th bottom |
| Cost of Funds | 1.31% | 1.87% | -0.56% | 79th top |
| Net Interest Spread | 2.81% | — | — | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.31% | 0.88% | +0.43% | 21st bottom |
| NPA / Total Assets | 0.46% | — | — | 41st below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 87th top |
| ACL / Total Loans | 1.74% | — | — | 88th top |
| ACL / NPLs (Coverage) | 133.20% | — | — | 36th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.24% | 5.96% | -1.72% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.16% | 11.75% | -0.59% | 53rd above |
| Equity / Assets | 11.02% | 10.98% | +0.04% | 60th above |
| TCE / Tangible Assets | 10.24% | — | — | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 39.50% | 80.44% | -40.94% | 96th top |
| Core Deposit Ratio | 93.17% | 86.95% | +6.22% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.22% | — | — | 83rd top |
| Loan Growth (Y/Y) | 3.03% | — | — | 36th below |
| Deposit Growth (Y/Y) | 10.55% | — | — | 84th top |
See White State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock White 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 White 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 White State Bank peer analysis.