Bank of O'Fallon: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of O'Fallon of O'Fallon, IL against its peer group of 2672 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 | 1.75% | 1.34% | +0.41% | 76th top |
| ROAE Behind the peer average, ahead of the median peer. | 12.77% | 13.31% | -0.54% | 52nd above |
| Net Interest Margin | 3.26% | 3.93% | -0.67% | 18th bottom |
| Efficiency Ratio | 46.12% | 61.14% | -15.02% | 88th top |
| PPNR / Avg Assets | 1.81% | 1.68% | +0.13% | 63rd above |
| Yield on Earning Assets | 5.23% | 5.67% | -0.44% | 32nd below |
| Cost of Funds | 2.25% | 1.88% | +0.37% | 23rd bottom |
| Net Interest Spread | 2.46% | 3.32% | -0.86% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.67% | 0.94% | -0.27% | 38th below |
| NPA / Total Assets | 0.70% | 0.70% | +0.00% | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 29th below |
| ACL / Total Loans | 1.62% | 1.28% | +0.34% | 84th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 240.43% | 1539.19% | -1298.76% | 53rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.74% | 7.33% | -2.59% | 43rd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 560.00% | 1395.95% | -835.95% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.12% | 19.50% | +3.62% | 85th top |
| Tier 1 Ratio | 23.12% | 19.53% | +3.59% | 85th top |
| Total Capital Ratio | 24.38% | 20.62% | +3.76% | 85th top |
| Leverage Ratio | 13.82% | 12.14% | +1.68% | 80th top |
| Equity / Assets | 13.76% | 11.37% | +2.39% | 83rd top |
| TCE / Tangible Assets | 13.76% | 11.09% | +2.67% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.49% | 80.63% | +6.86% | 34th below |
| Core Deposit Ratio | 89.92% | 86.86% | +3.06% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.70% | 6.85% | -5.15% | 30th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.75% | 7.90% | -2.15% | 53rd above |
| Deposit Growth (Y/Y) | 1.40% | 6.29% | -4.89% | 31st below |
See Bank of O'Fallon's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of O'Fallon, 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 O'Fallon profile, how to read a UBPR, or how this data updates.