Exchange State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Exchange State Bank of Lanark, IL against its peer group of 2757 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 | 1.65% | 1.25% | +0.40% | 71st above |
| ROAE | 17.97% | 12.22% | +5.75% | 79th top |
| Net Interest Margin | 3.26% | 3.95% | -0.69% | 17th bottom |
| Efficiency Ratio | 53.58% | 63.71% | -10.13% | 73rd above |
| PPNR / Avg Assets | 1.70% | — | — | 56th above |
| Yield on Earning Assets | 5.04% | 5.67% | -0.63% | 24th bottom |
| Cost of Funds | 2.01% | 1.87% | +0.14% | 36th below |
| Net Interest Spread | 2.84% | — | — | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.88% | -0.83% | 78th top |
| NPA / Total Assets | 0.03% | — | — | 82nd top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.06% | — | — | 33rd below |
| ACL / NPLs (Coverage) | 1929.41% | — | — | — |
| Texas Ratio | 0.30% | 5.96% | -5.66% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.47% | 11.75% | -0.28% | 57th above |
| Equity / Assets | 9.32% | 10.98% | -1.66% | 32nd below |
| TCE / Tangible Assets | 9.32% | — | — | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.84% | 80.44% | -17.60% | 80th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.83% | 86.95% | +1.88% | 49th below |
| Wholesale Funding Ratio | 2.86% | — | — | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.01% | — | — | 19th bottom |
| Loan Growth (Y/Y) | 7.14% | — | — | 60th above |
| Deposit Growth (Y/Y) | -1.21% | — | — | 17th bottom |
See Exchange State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Exchange 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 Exchange State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Exchange State Bank peer analysis.