FCB Banks: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FCB Banks of Collinsville, IL against its peer group of 941 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 | 1.86% | 1.34% | +0.52% | 82nd top |
| ROAE | 22.66% | 12.34% | +10.32% | 93rd top |
| Net Interest Margin | 3.32% | 3.83% | -0.51% | 27th below |
| Efficiency Ratio | 49.85% | 58.97% | -9.12% | 75th top |
| PPNR / Avg Assets | 1.92% | — | — | 62nd above |
| Yield on Earning Assets | 5.51% | 5.71% | -0.20% | 49th below |
| Cost of Funds | 2.38% | 2.02% | +0.36% | 26th below |
| Net Interest Spread | 2.82% | — | — | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.76% | 0.87% | -0.11% | 36th below |
| NPA / Total Assets | 0.59% | — | — | 37th below |
| NCO / Avg Loans | 0.03% | 0.43% | -0.40% | 50th above |
| ACL / Total Loans | 1.06% | — | — | 38th below |
| ACL / NPLs (Coverage) | 139.69% | — | — | 35th below |
| Texas Ratio | 6.72% | 5.48% | +1.24% | 27th below |
| Provision / NCO | 197.37% | — | — | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.08% | 14.99% | -2.91% | 26th below |
| Tier 1 Ratio | 12.08% | 15.02% | -2.94% | 25th below |
| Total Capital Ratio | 13.27% | — | — | 27th below |
| Leverage Ratio | 8.45% | 11.11% | -2.66% | 5th bottom |
| Equity / Assets | 8.13% | 11.02% | -2.89% | 8th bottom |
| TCE / Tangible Assets | 8.03% | — | — | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.31% | 86.99% | +3.32% | 44th below |
| Core Deposit Ratio | 93.10% | 85.57% | +7.53% | 75th top |
| Uninsured Deposit Ratio | 19.72% | 33.19% | -13.47% | 84th top |
| Wholesale Funding Ratio | 5.60% | — | — | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.61% | — | — | 24th bottom |
| Loan Growth (Y/Y) | 5.59% | — | — | 48th below |
| Deposit Growth (Y/Y) | 5.54% | — | — | 54th above |
See FCB Banks's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FCB Banks, 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 FCB Banks 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 FCB Banks peer analysis.