Farmers State Bank of Alto Pass, ILL.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers State Bank of Alto Pass, ILL. of Alto Pass, 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 | 1.98% | 1.34% | +0.64% | 85th top |
| ROAE | 21.05% | 13.31% | +7.74% | 89th top |
| Net Interest Margin | 5.69% | 3.93% | +1.76% | 98th top |
| Efficiency Ratio | 62.61% | 61.14% | +1.47% | 46th below |
| PPNR / Avg Assets | 2.91% | 1.68% | +1.23% | 95th top |
| Yield on Earning Assets | 6.99% | 5.67% | +1.32% | 95th top |
| Cost of Funds | 1.35% | 1.88% | -0.53% | 78th top |
| Net Interest Spread | 5.28% | 3.32% | +1.96% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.46% | 0.94% | +1.52% | 10th bottom |
| NPA / Total Assets | 2.14% | 0.70% | +1.44% | 7th bottom |
| NCO / Avg Loans | 0.86% | 0.16% | +0.70% | 4th bottom |
| ACL / Total Loans | 1.03% | 1.28% | -0.25% | 30th below |
| ACL / NPLs (Coverage) | 41.93% | 1539.22% | -1497.29% | 7th bottom |
| Texas Ratio | 20.40% | 7.33% | +13.07% | 7th bottom |
| Provision / NCO | 70.80% | 1396.16% | -1325.36% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.25% | 19.51% | -7.26% | 20th bottom |
| Tier 1 Ratio | 12.25% | 19.54% | -7.29% | 20th bottom |
| Total Capital Ratio | 13.37% | 20.63% | -7.26% | 20th bottom |
| Leverage Ratio | 9.51% | 12.14% | -2.63% | 22nd bottom |
| Equity / Assets | 9.87% | 11.37% | -1.50% | 42nd below |
| TCE / Tangible Assets | 9.87% | 11.09% | -1.22% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.85% | 80.63% | +14.22% | 19th bottom |
| Core Deposit Ratio | 93.52% | 86.86% | +6.66% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.16% | 6.86% | -9.02% | 10th bottom |
| Loan Growth (Y/Y) | -1.61% | 7.91% | -9.52% | 16th bottom |
| Deposit Growth (Y/Y) | -3.29% | 6.29% | -9.58% | 10th bottom |
See Farmers State Bank of Alto Pass, ILL.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers State Bank of Alto Pass, ILL., 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 Farmers State Bank of Alto Pass, ILL. profile, how to read a UBPR, or how this data updates.