The Bank of Herrin: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Herrin of Herrin, IL against its peer group of 2603 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 | 1.22% | 1.34% | -0.12% | 47th below |
| ROAE | 21.09% | 13.32% | +7.77% | 89th top |
| Net Interest Margin | 3.52% | 3.93% | -0.41% | 28th below |
| Efficiency Ratio | 66.16% | 61.13% | +5.03% | 37th below |
| PPNR / Avg Assets | 1.24% | 1.68% | -0.44% | 31st below |
| Yield on Earning Assets | 4.94% | 5.67% | -0.73% | 21st bottom |
| Cost of Funds | 1.75% | 1.88% | -0.13% | 53rd above |
| Net Interest Spread | 3.25% | 3.32% | -0.07% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.69% | 0.94% | -0.25% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.45% | 0.70% | -0.25% | 40th below |
| NCO / Avg Loans | -0.08% | 0.16% | -0.24% | 96th top |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 33rd below |
| ACL / NPLs (Coverage) | 154.16% | 1546.63% | -1392.47% | 41st below |
| Texas Ratio | 7.97% | 7.34% | +0.63% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.36% | 19.49% | -7.13% | 21st bottom |
| Tier 1 Ratio | 12.36% | 19.52% | -7.16% | 21st bottom |
| Total Capital Ratio | 13.31% | 20.61% | -7.30% | 20th bottom |
| Leverage Ratio | 8.81% | 12.14% | -3.33% | 10th bottom |
| Equity / Assets | 6.18% | 11.37% | -5.19% | 3rd bottom |
| TCE / Tangible Assets | 6.18% | 11.09% | -4.91% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.99% | 80.66% | -9.67% | 69th above |
| Core Deposit Ratio | 85.20% | 86.85% | -1.65% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.80% | 6.84% | -5.04% | 31st below |
| Loan Growth (Y/Y) | 10.50% | 7.92% | +2.58% | 75th top |
| Deposit Growth (Y/Y) | 0.56% | 6.29% | -5.73% | 27th below |
See The Bank of Herrin's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Herrin, 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 The Bank of Herrin profile, how to read a UBPR, or how this data updates.