Wolf River Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wolf River Community Bank of Hortonville, WI 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 | 1.92% | 1.35% | +0.57% | 83rd top |
| ROAE | 15.98% | 12.05% | +3.93% | 71st above |
| Net Interest Margin | 4.84% | 3.90% | +0.94% | 89th top |
| Efficiency Ratio | 48.32% | 63.15% | -14.83% | 84th top |
| PPNR / Avg Assets | 2.57% | 1.64% | +0.93% | 91st top |
| Yield on Earning Assets | 6.08% | 5.65% | +0.43% | 72nd above |
| Cost of Funds | 1.37% | 1.85% | -0.48% | 77th top |
| Net Interest Spread | 4.48% | 3.35% | +1.13% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.92% | -0.87% | 78th top |
| NPA / Total Assets | 0.04% | 0.67% | -0.63% | 79th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.68% | 1.28% | +0.40% | 87th top |
| ACL / NPLs (Coverage) | 3365.41% | 1644.41% | +1721.00% | — |
| Texas Ratio | 0.31% | 7.15% | -6.84% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.42% | 12.46% | -0.04% | 69th above |
| Equity / Assets | 11.96% | 11.67% | +0.29% | 71st above |
| TCE / Tangible Assets | 11.96% | 11.40% | +0.56% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.16% | 78.63% | +28.53% | 5th bottom |
| Core Deposit Ratio | 94.03% | 87.09% | +6.94% | 79th top |
| Wholesale Funding Ratio | 10.32% | 5.11% | +5.21% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.79% | 6.47% | +5.32% | 87th top |
| Loan Growth (Y/Y) | 17.44% | 7.64% | +9.80% | 90th top |
| Deposit Growth (Y/Y) | 2.67% | 6.02% | -3.35% | 40th below |
See Wolf River Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wolf River Community 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 Wolf River Community Bank profile, how to read a UBPR, or how this data updates.