Apple River State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Apple River State Bank of Apple River, 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 | 1.61% | 1.25% | +0.36% | 69th above |
| ROAE | 20.53% | 12.22% | +8.31% | 88th top |
| Net Interest Margin | 3.34% | 3.95% | -0.61% | 21st bottom |
| Efficiency Ratio | 52.89% | 63.71% | -10.82% | 75th top |
| PPNR / Avg Assets | 1.68% | — | — | 55th above |
| Yield on Earning Assets | 5.18% | 5.67% | -0.49% | 30th below |
| Cost of Funds | 1.96% | 1.87% | +0.09% | 39th below |
| Net Interest Spread | 2.98% | — | — | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.88% | -0.64% | 62nd above |
| NPA / Total Assets | 0.14% | — | — | 66th above |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 90th top |
| ACL / Total Loans | 0.98% | — | — | 24th bottom |
| ACL / NPLs (Coverage) | 413.38% | — | — | 66th above |
| Texas Ratio | 1.67% | 5.96% | -4.29% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.75% | 17.18% | -2.43% | 46th below |
| Tier 1 Ratio | 14.75% | 17.21% | -2.46% | 46th below |
| Total Capital Ratio | 15.64% | — | — | 44th below |
| Leverage Ratio | 9.74% | 11.75% | -2.01% | 26th below |
| Equity / Assets | 7.78% | 10.98% | -3.20% | 11th bottom |
| TCE / Tangible Assets | 7.78% | — | — | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.62% | 80.44% | -7.82% | 67th above |
| Core Deposit Ratio | 89.09% | 86.95% | +2.14% | 50th above |
| Wholesale Funding Ratio | 10.38% | — | — | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.12% | — | — | 69th above |
| Loan Growth (Y/Y) | 6.64% | — | — | 57th above |
| Deposit Growth (Y/Y) | 6.55% | — | — | 67th above |
See Apple River State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Apple River 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 Apple River State 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 Apple River State Bank peer analysis.