Dewitt Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Dewitt Savings Bank of Clinton, 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 | 0.68% | 1.34% | -0.66% | 18th bottom |
| ROAE | 7.98% | 13.32% | -5.34% | 25th below |
| Net Interest Margin | 3.27% | 3.93% | -0.66% | 19th bottom |
| Efficiency Ratio | 69.25% | 61.14% | +8.11% | 30th below |
| PPNR / Avg Assets | 0.82% | 1.68% | -0.86% | 15th bottom |
| Yield on Earning Assets | 5.30% | 5.67% | -0.37% | 35th below |
| Cost of Funds | 2.15% | 1.88% | +0.27% | 29th below |
| Net Interest Spread | 2.80% | 3.32% | -0.52% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.21% | 0.94% | +0.27% | 24th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.59% | 0.70% | -0.11% | 34th below |
| NCO / Avg Loans | 0.49% | 0.16% | +0.33% | 6th bottom |
| ACL / Total Loans | 0.53% | 1.28% | -0.75% | 3rd bottom |
| ACL / NPLs (Coverage) | 43.80% | 1538.95% | -1495.15% | 8th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.12% | 7.33% | -1.21% | 35th below |
| Provision / NCO | 22.50% | 1395.84% | -1373.34% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.72% | 19.50% | +1.22% | 79th top |
| Tier 1 Ratio | 20.72% | 19.54% | +1.18% | 79th top |
| Total Capital Ratio | 21.22% | 20.62% | +0.60% | 78th top |
| Leverage Ratio | 10.47% | 12.14% | -1.67% | 41st below |
| Equity / Assets | 9.33% | 11.37% | -2.04% | 33rd below |
| TCE / Tangible Assets | 9.33% | 11.09% | -1.76% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.47% | 80.64% | -21.17% | 84th top |
| Core Deposit Ratio | 77.57% | 86.86% | -9.29% | 12th bottom |
| Wholesale Funding Ratio | 8.65% | 5.03% | +3.62% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.68% | 6.85% | +3.83% | 85th top |
| Loan Growth (Y/Y) | 4.77% | 7.90% | -3.13% | 46th below |
| Deposit Growth (Y/Y) | 3.95% | 6.29% | -2.34% | 49th below |
See Dewitt Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Dewitt Savings 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 Dewitt Savings Bank profile, how to read a UBPR, or how this data updates.