Federated Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Federated Bank of Onarga, 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 | 0.78% | 1.25% | -0.47% | 21st bottom |
| ROAE | 5.48% | 12.22% | -6.74% | 15th bottom |
| Net Interest Margin | 5.64% | 3.95% | +1.69% | 98th top |
| Efficiency Ratio | 76.26% | 63.71% | +12.55% | 17th bottom |
| PPNR / Avg Assets | 1.01% | — | — | 20th bottom |
| Yield on Earning Assets | 6.74% | 5.67% | +1.07% | 92nd top |
| Cost of Funds | 1.01% | 1.87% | -0.86% | 91st top |
| Net Interest Spread | 5.10% | — | — | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.88% | -0.68% | 65th above |
| NPA / Total Assets | 0.67% | — | — | 31st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 27th below |
| ACL / Total Loans | 0.83% | — | — | 12th bottom |
| ACL / NPLs (Coverage) | 420.34% | — | — | 66th above |
| Texas Ratio | 8.18% | 5.96% | +2.22% | 22nd bottom |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.79% | 17.18% | -5.39% | 15th bottom |
| Tier 1 Ratio | 11.79% | 17.21% | -5.42% | 14th bottom |
| Total Capital Ratio | 12.56% | — | — | 11th bottom |
| Leverage Ratio | 8.88% | 11.75% | -2.87% | 10th bottom |
| Equity / Assets | 13.99% | 10.98% | +3.01% | 84th top |
| TCE / Tangible Assets | 8.20% | — | — | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.40% | 80.44% | -5.04% | 61st above |
| Core Deposit Ratio | 93.81% | 86.95% | +6.86% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.83% | — | — | 87th top |
| Loan Growth (Y/Y) | 37.25% | — | — | 98th top |
| Deposit Growth (Y/Y) | 13.16% | — | — | 89th top |
See Federated Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Federated 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 Federated 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 Federated Bank peer analysis.