Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank & Trust Company of Litchfield, 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 | 1.12% | 1.35% | -0.23% | 40th below |
| ROAE | 10.56% | 13.33% | -2.77% | 40th below |
| Net Interest Margin | 3.69% | 3.93% | -0.24% | 36th below |
| Efficiency Ratio | 56.45% | 61.13% | -4.68% | 65th above |
| PPNR / Avg Assets | 1.75% | 1.68% | +0.07% | 60th above |
| Yield on Earning Assets | 5.45% | 5.67% | -0.22% | 42nd below |
| Cost of Funds | 2.02% | 1.88% | +0.14% | 36th below |
| Net Interest Spread | 3.12% | 3.32% | -0.20% | 40th 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. | 0.64% | 0.94% | -0.30% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.45% | 0.70% | -0.25% | 41st below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 84th top |
| ACL / Total Loans | 1.72% | 1.28% | +0.44% | 88th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 268.53% | 1546.99% | -1278.46% | 56th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.74% | 7.34% | -3.60% | 48th below |
| Provision / NCO | 10425.00% | 1386.35% | +9038.65% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.19% | 19.49% | -3.30% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.19% | 19.52% | -3.33% | 58th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.44% | 20.61% | -3.17% | 59th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.27% | 12.14% | -0.87% | 55th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.74% | 11.37% | -0.63% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.74% | 11.08% | -0.34% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.29% | 80.66% | -0.37% | 51st above |
| Core Deposit Ratio | 86.15% | 86.85% | -0.70% | 35th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.61% | 5.04% | -0.43% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.36% | 6.84% | -2.48% | 49th below |
| Loan Growth (Y/Y) | 10.47% | 7.92% | +2.55% | 75th top |
| Deposit Growth (Y/Y) | 3.78% | 6.29% | -2.51% | 48th below |
See Bank & Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank & Trust Company, 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 & Trust Company profile, how to read a UBPR, or how this data updates.