1st Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 1st Community Bank of Sherrard, IL against its peer group of 578 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 | 0.83% | 0.85% | -0.02% | 38th below |
| ROAE Ahead of the peer average, behind the median peer. | 8.33% | 5.23% | +3.10% | 48th below |
| Net Interest Margin | 4.60% | 3.94% | +0.66% | 78th top |
| Efficiency Ratio | 80.11% | 76.13% | +3.98% | 30th below |
| PPNR / Avg Assets | 0.90% | — | — | 33rd below |
| Yield on Earning Assets | 5.57% | 5.42% | +0.15% | 64th above |
| Cost of Funds | 1.04% | 1.69% | -0.65% | 76th top |
| Net Interest Spread | 4.25% | — | — | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.49% | 1.23% | -0.74% | 49th below |
| NPA / Total Assets | 0.35% | — | — | 42nd below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.90% | — | — | 21st bottom |
| ACL / NPLs (Coverage) | 185.84% | — | — | 59th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.24% | 7.23% | -3.99% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.04% | 14.13% | -4.09% | 18th bottom |
| Equity / Assets | 10.04% | 13.07% | -3.03% | 25th below |
| TCE / Tangible Assets | 10.04% | — | — | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.99% | 68.58% | +11.41% | 31st below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.95% | 88.79% | +0.16% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.03% | — | — | 23rd bottom |
| Loan Growth (Y/Y) | 0.19% | — | — | 40th below |
| Deposit Growth (Y/Y) | -0.89% | — | — | 27th below |
See 1st Community Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 1st 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 1st Community 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 1st Community Bank peer analysis.