American Eagle Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Eagle Bank of South Elgin, 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 | -0.91% | 1.25% | -2.16% | 1st bottom |
| ROAE | -10.30% | 13.17% | -23.47% | 1st bottom |
| Net Interest Margin | 2.68% | 3.95% | -1.27% | 4th bottom |
| Efficiency Ratio | 151.67% | 61.50% | +90.17% | 0th bottom |
| PPNR / Avg Assets | -1.22% | — | — | 1st bottom |
| Yield on Earning Assets | 5.74% | 5.67% | +0.07% | 56th above |
| Cost of Funds | 3.27% | 1.87% | +1.40% | 3rd bottom |
| Net Interest Spread | 2.44% | — | — | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.93% | -0.83% | 73rd above |
| NPA / Total Assets | 0.09% | — | — | 71st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 22nd bottom |
| ACL / Total Loans | 0.26% | — | — | 1st bottom |
| ACL / NPLs (Coverage) | 249.89% | — | — | 54th above |
| Texas Ratio | 0.38% | 6.06% | -5.68% | 79th top |
| Provision / NCO | 72.09% | — | — | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.49% | 17.18% | -7.69% | 1st bottom |
| Tier 1 Ratio | 9.49% | 17.21% | -7.72% | 0th bottom |
| Total Capital Ratio | 9.75% | — | — | 0th bottom |
| Leverage Ratio | 8.53% | 11.75% | -3.22% | 6th bottom |
| Equity / Assets | 8.40% | 10.98% | -2.58% | 18th bottom |
| TCE / Tangible Assets | 8.40% | — | — | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 121.96% | 80.44% | +41.52% | 1st bottom |
| Core Deposit Ratio | 50.70% | 86.95% | -36.25% | 1st bottom |
| Wholesale Funding Ratio | 16.11% | — | — | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.84% | — | — | 31st below |
| Loan Growth (Y/Y) | 11.08% | — | — | 76th top |
| Deposit Growth (Y/Y) | -2.89% | — | — | 10th bottom |
See American Eagle Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Eagle 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 American Eagle Bank profile, how to read a UBPR, or how this data updates.