1NB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 1NB Bank of Carlyle, IL 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 | 1.23% | 1.25% | -0.02% | 47th below |
| ROAE | 13.29% | 12.22% | +1.07% | 55th above |
| Net Interest Margin | 3.43% | 3.95% | -0.52% | 24th bottom |
| Efficiency Ratio | 47.87% | 63.71% | -15.84% | 85th top |
| PPNR / Avg Assets | 1.82% | — | — | 63rd above |
| Yield on Earning Assets | 4.92% | 5.67% | -0.75% | 19th bottom |
| Cost of Funds | 1.62% | 1.87% | -0.25% | 62nd above |
| Net Interest Spread | 2.98% | — | — | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.07% | 0.88% | -0.81% | 77th top |
| NPA / Total Assets | 0.05% | — | — | 79th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.15% | -0.05% | 19th bottom |
| ACL / Total Loans | 1.01% | — | — | 28th below |
| ACL / NPLs (Coverage) | 1494.48% | — | — | — |
| Texas Ratio | 0.45% | 5.96% | -5.51% | 77th top |
| Provision / NCO | 402.00% | — | — | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.29% | 11.75% | -1.46% | 37th below |
| Equity / Assets | 9.44% | 10.98% | -1.54% | 34th below |
| TCE / Tangible Assets | 9.44% | — | — | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.40% | 80.44% | +1.96% | 46th below |
| Core Deposit Ratio | 84.68% | 86.95% | -2.27% | 29th below |
| Wholesale Funding Ratio | 8.39% | — | — | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.84% | — | — | 78th top |
| Loan Growth (Y/Y) | 22.62% | — | — | 94th top |
| Deposit Growth (Y/Y) | 4.78% | — | — | 55th above |
See 1NB Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 1NB 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 1NB 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 1NB Bank peer analysis.