Woodford State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Woodford State Bank of Monroe, 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 | 1.37% | 1.34% | +0.03% | 56th above |
| ROAE | 22.03% | 13.31% | +8.72% | 92nd top |
| Net Interest Margin | 3.84% | 3.93% | -0.09% | 45th below |
| Efficiency Ratio | 58.37% | 61.14% | -2.77% | 59th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.62% | 1.68% | -0.06% | 52nd above |
| Yield on Earning Assets | 5.67% | 5.67% | +0.00% | 53rd above |
| Cost of Funds | 1.93% | 1.88% | +0.05% | 41st below |
| Net Interest Spread | 3.49% | 3.32% | +0.17% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.38% | 0.94% | -0.56% | 52nd above |
| NPA / Total Assets | 0.29% | 0.70% | -0.41% | 52nd above |
| NCO / Avg Loans | 0.24% | 0.16% | +0.08% | 11th bottom |
| ACL / Total Loans | 0.62% | 1.28% | -0.66% | 5th bottom |
| ACL / NPLs (Coverage) | 165.42% | 1539.43% | -1374.01% | 43rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.32% | 7.33% | -3.01% | 45th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 225.23% | 1396.39% | -1171.16% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.28% | 19.51% | -9.23% | 4th bottom |
| Tier 1 Ratio | 10.28% | 19.54% | -9.26% | 4th bottom |
| Total Capital Ratio | 10.90% | 20.63% | -9.73% | 2nd bottom |
| Leverage Ratio | 8.11% | 12.14% | -4.03% | 3rd bottom |
| Equity / Assets | 6.33% | 11.38% | -5.05% | 4th bottom |
| TCE / Tangible Assets | 6.14% | 11.10% | -4.96% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.26% | 80.63% | +16.63% | 15th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.90% | 86.86% | +2.04% | 49th below |
| Wholesale Funding Ratio | 15.74% | 5.03% | +10.71% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.72% | 6.85% | +1.87% | 78th top |
| Loan Growth (Y/Y) | 15.47% | 7.90% | +7.57% | 87th top |
| Deposit Growth (Y/Y) | 7.69% | 6.29% | +1.40% | 74th above |
See Woodford State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Woodford 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 Woodford State Bank profile, how to read a UBPR, or how this data updates.