First Federal Savings Bank of Mascoutah, Illinois: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Savings Bank of Mascoutah, Illinois of Mascoutah, IL against its peer group of 2603 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 | 0.88% | 1.34% | -0.46% | 27th below |
| ROAE | 9.04% | 13.32% | -4.28% | 30th below |
| Net Interest Margin | 2.93% | 3.93% | -1.00% | 8th bottom |
| Efficiency Ratio | 57.10% | 61.13% | -4.03% | 63rd above |
| PPNR / Avg Assets | 1.29% | 1.68% | -0.39% | 33rd below |
| Yield on Earning Assets | 5.46% | 5.67% | -0.21% | 43rd below |
| Cost of Funds | 2.82% | 1.88% | +0.94% | 8th bottom |
| Net Interest Spread | 2.40% | 3.32% | -0.92% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.12% | 0.94% | +1.18% | 12th bottom |
| NPA / Total Assets | 1.67% | 0.70% | +0.97% | 10th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 25th below |
| ACL / NPLs (Coverage) | 46.74% | 1546.45% | -1499.71% | 9th bottom |
| Texas Ratio | 15.87% | 7.34% | +8.53% | 11th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.33% | 19.49% | -4.16% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.33% | 19.52% | -4.19% | 52nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.49% | 20.61% | -4.12% | 52nd above |
| Leverage Ratio | 10.46% | 12.14% | -1.68% | 40th below |
| Equity / Assets | 9.75% | 11.37% | -1.62% | 40th below |
| TCE / Tangible Assets | 9.75% | 11.08% | -1.33% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.18% | 80.66% | +7.52% | 32nd below |
| Core Deposit Ratio | 83.47% | 86.85% | -3.38% | 25th below |
| Wholesale Funding Ratio | 0.48% | 5.04% | -4.56% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.75% | 6.84% | -1.09% | 61st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.05% | 7.92% | -1.87% | 54th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.74% | 6.29% | -1.55% | 55th above |
See First Federal Savings Bank of Mascoutah, Illinois's peers by name
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Unlock First Federal Savings Bank of Mascoutah, 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 First Federal Savings Bank of Mascoutah, Illinois profile, how to read a UBPR, or how this data updates.