Bankchampaign, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bankchampaign, N.A. of Champaign, 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 | 2.29% | 1.34% | +0.95% | 92nd top |
| ROAE | 19.87% | 13.31% | +6.56% | 87th top |
| Net Interest Margin | 4.46% | 3.93% | +0.53% | 77th top |
| Efficiency Ratio | 56.17% | 61.14% | -4.97% | 66th above |
| PPNR / Avg Assets | 2.35% | 1.68% | +0.67% | 85th top |
| Yield on Earning Assets | 6.13% | 5.67% | +0.46% | 74th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.87% | 1.88% | -0.01% | 45th below |
| Net Interest Spread | 3.89% | 3.32% | +0.57% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.26% | 0.70% | -0.44% | 55th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.77% | 1.28% | +0.49% | 89th top |
| Texas Ratio | 1.91% | 7.33% | -5.42% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.63% | 19.50% | -4.87% | 45th below |
| Tier 1 Ratio | 14.63% | 19.54% | -4.91% | 45th below |
| Total Capital Ratio | 15.89% | 20.62% | -4.73% | 46th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.84% | 12.14% | -0.30% | 63rd above |
| Equity / Assets | 11.96% | 11.37% | +0.59% | 71st above |
| TCE / Tangible Assets | 11.96% | 11.09% | +0.87% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.02% | 80.63% | +21.39% | 9th bottom |
| Core Deposit Ratio | 89.61% | 86.86% | +2.75% | 52nd above |
| Wholesale Funding Ratio | 7.04% | 5.03% | +2.01% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.81% | 6.85% | -3.04% | 46th below |
| Loan Growth (Y/Y) | -3.51% | 7.91% | -11.42% | 11th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.74% | 6.29% | -0.55% | 62nd above |
See Bankchampaign, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bankchampaign, N.A., 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 Bankchampaign, N.A. profile, how to read a UBPR, or how this data updates.