Wilson State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wilson State Bank of Wilson, KS 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 | 1.30% | 1.25% | +0.05% | 51st above |
| ROAE | 15.71% | 12.22% | +3.49% | 69th above |
| Net Interest Margin | 3.75% | 3.95% | -0.20% | 39th below |
| Efficiency Ratio | 63.95% | 63.71% | +0.24% | 41st below |
| PPNR / Avg Assets | 1.37% | — | — | 37th below |
| Yield on Earning Assets | 5.03% | 5.67% | -0.64% | 24th bottom |
| Cost of Funds | 1.39% | 1.87% | -0.48% | 76th top |
| Net Interest Spread | 3.23% | — | — | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 87th top |
| NPA / Total Assets | 0.00% | — | — | 88th top |
| NCO / Avg Loans | 0.18% | 0.15% | +0.03% | 13th bottom |
| ACL / Total Loans | 0.86% | — | — | 14th bottom |
| ACL / NPLs (Coverage) | 24733.33% | — | — | — |
| Texas Ratio | 0.03% | 5.96% | -5.93% | 87th top |
| Provision / NCO | 18.42% | — | — | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.52% | 17.18% | -4.66% | 23rd bottom |
| Tier 1 Ratio | 12.52% | 17.21% | -4.69% | 22nd bottom |
| Total Capital Ratio | 13.31% | — | — | 19th bottom |
| Leverage Ratio | 9.48% | 11.75% | -2.27% | 21st bottom |
| Equity / Assets | 8.50% | 10.98% | -2.48% | 19th bottom |
| TCE / Tangible Assets | 7.89% | — | — | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.13% | 80.44% | -0.31% | 51st above |
| Core Deposit Ratio | 90.15% | 86.95% | +3.20% | 56th above |
| Wholesale Funding Ratio | 2.44% | — | — | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.77% | — | — | 23rd bottom |
| Loan Growth (Y/Y) | 3.79% | — | — | 40th below |
| Deposit Growth (Y/Y) | 2.52% | — | — | 39th below |
See Wilson State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wilson 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 Wilson 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 Wilson State Bank peer analysis.