Community National Bank in Monmouth: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community National Bank in Monmouth of Monmouth, IL against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.24% | 3.14% | -1.90% | 61st above |
| ROAE Behind the peer average, ahead of the median peer. | 9.86% | 10.42% | -0.56% | 57th above |
| Net Interest Margin | 4.53% | 3.93% | +0.60% | 76th top |
| Efficiency Ratio | 66.82% | 76.32% | -9.50% | 56th above |
| PPNR / Avg Assets | 1.64% | 1.40% | +0.24% | 67th above |
| Yield on Earning Assets | 5.85% | 5.35% | +0.50% | 72nd above |
| Cost of Funds | 1.42% | 1.71% | -0.29% | 57th above |
| Net Interest Spread | 4.16% | 3.31% | +0.85% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.90% | 1.34% | -0.44% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.55% | 0.71% | -0.16% | 30th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.53% | 1.49% | +0.04% | 69th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 169.51% | 865.72% | -696.21% | 54th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.08% | 8.26% | -4.18% | 40th below |
| Provision / NCO | 320.00% | 314.36% | +5.64% | 87th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.13% | 17.61% | -4.48% | 50th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.61% | 16.43% | -3.82% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.61% | 16.18% | -3.57% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 70.93% | 72.83% | -1.90% | 44th below |
| Core Deposit Ratio | 92.62% | 88.21% | +4.41% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.90% | 4.31% | -3.41% | 39th below |
| Loan Growth (Y/Y) | 1.82% | 6.73% | -4.91% | 48th below |
| Deposit Growth (Y/Y) | 0.02% | 3.78% | -3.76% | 39th below |
See Community National Bank in Monmouth's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community National Bank in Monmouth, 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 Community National Bank in Monmouth profile, how to read a UBPR, or how this data updates.