Bank of Elgin: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Elgin of Elgin, NE against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 2.58% | 3.13% | -0.55% | 89th top |
| ROAE | 18.89% | 10.28% | +8.61% | 89th top |
| Net Interest Margin | 4.47% | 3.94% | +0.53% | 74th above |
| Efficiency Ratio | 44.17% | 76.39% | -32.22% | 93rd top |
| PPNR / Avg Assets | 2.58% | 1.40% | +1.18% | 91st top |
| Yield on Earning Assets | 5.72% | 5.35% | +0.37% | 68th above |
| Cost of Funds | 1.41% | 1.70% | -0.29% | 57th above |
| Net Interest Spread | 3.80% | 3.32% | +0.48% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.34% | 1.49% | -0.15% | 59th above |
| Texas Ratio | 0.00% | 8.28% | -8.28% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.54% | 17.65% | -4.11% | 53rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.81% | 16.45% | -2.64% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.23% | 16.20% | -2.97% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.76% | 72.82% | +4.94% | 34th below |
| Core Deposit Ratio | 92.51% | 88.27% | +4.24% | 57th above |
| Wholesale Funding Ratio | 0.17% | 5.21% | -5.04% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.25% | 4.25% | +6.00% | 84th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.61% | 6.76% | -1.15% | 62nd above |
| Deposit Growth (Y/Y) | 13.44% | 3.70% | +9.74% | 91st top |
See Bank of Elgin's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Elgin, 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 Bank of Elgin profile, how to read a UBPR, or how this data updates.