Clay County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Clay County State Bank of Louisville, 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 | 1.61% | 1.34% | +0.27% | 69th above |
| ROAE | 14.58% | 13.31% | +1.27% | 63rd above |
| Net Interest Margin | 3.54% | 3.93% | -0.39% | 29th below |
| Efficiency Ratio | 55.43% | 61.14% | -5.71% | 68th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.61% | 1.68% | -0.07% | 51st above |
| Yield on Earning Assets | 4.69% | 5.67% | -0.98% | 13th bottom |
| Cost of Funds | 1.30% | 1.88% | -0.58% | 80th top |
| Net Interest Spread | 3.15% | 3.32% | -0.17% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.24% | 0.94% | +2.30% | 5th bottom |
| NPA / Total Assets | 1.51% | 0.70% | +0.81% | 12th bottom |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 90th top |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 22nd bottom |
| ACL / NPLs (Coverage) | 29.85% | 1538.84% | -1508.99% | 3rd bottom |
| Texas Ratio | 21.80% | 7.33% | +14.47% | 6th bottom |
| Provision / NCO | 0.00% | 1395.70% | -1395.70% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.18% | 12.14% | +1.04% | 76th top |
| Equity / Assets | 11.49% | 11.37% | +0.12% | 66th above |
| TCE / Tangible Assets | 11.49% | 11.09% | +0.40% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 51.56% | 80.64% | -29.08% | 91st top |
| Core Deposit Ratio | 97.58% | 86.86% | +10.72% | 95th top |
| Wholesale Funding Ratio | 0.32% | 5.03% | -4.71% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.69% | 6.85% | -3.16% | 45th below |
| Loan Growth (Y/Y) | 1.29% | 7.90% | -6.61% | 28th below |
| Deposit Growth (Y/Y) | 2.82% | 6.29% | -3.47% | 42nd below |
See Clay County State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Clay County State Bank, 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 Clay County State Bank profile, how to read a UBPR, or how this data updates.