Farmers State Bank of Western Illinois: 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 Western Illinois of Alpha, 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 | 1.23% | 1.34% | -0.11% | 48th below |
| ROAE | 10.40% | 13.31% | -2.91% | 38th below |
| Net Interest Margin | 3.87% | 3.93% | -0.06% | 47th below |
| Efficiency Ratio | 65.18% | 61.14% | +4.04% | 38th below |
| PPNR / Avg Assets | 1.31% | 1.68% | -0.37% | 34th below |
| Yield on Earning Assets | 4.74% | 5.67% | -0.93% | 15th bottom |
| Cost of Funds | 0.98% | 1.88% | -0.90% | 92nd top |
| Net Interest Spread | 3.46% | 3.32% | +0.14% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 0.94% | -0.16% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.35% | 0.70% | -0.35% | 47th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans | 2.11% | 1.28% | +0.83% | 94th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 272.41% | 1538.90% | -1266.49% | 57th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.19% | 7.33% | -1.14% | 35th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 545.45% | 1395.70% | -850.25% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.08% | 12.14% | +1.94% | 82nd top |
| Equity / Assets | 11.59% | 11.37% | +0.22% | 67th above |
| TCE / Tangible Assets | 11.59% | 11.09% | +0.50% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.11% | 80.64% | -28.53% | 90th top |
| Core Deposit Ratio | 98.58% | 86.86% | +11.72% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.66% | 6.85% | -3.19% | 44th below |
| Loan Growth (Y/Y) | -0.13% | 7.90% | -8.03% | 22nd bottom |
| Deposit Growth (Y/Y) | 2.42% | 6.29% | -3.87% | 38th below |
See Farmers State Bank of Western Illinois'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 Western Illinois, 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 Western Illinois profile, how to read a UBPR, or how this data updates.