First National Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank and Trust Company of Clinton, 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 | -0.09% | 1.34% | -1.43% | 4th bottom |
| ROAE | -10.08% | 13.32% | -23.40% | 2nd bottom |
| Net Interest Margin | 2.73% | 3.93% | -1.20% | 5th bottom |
| Efficiency Ratio | 90.88% | 61.13% | +29.75% | 6th bottom |
| PPNR / Avg Assets | -0.13% | 1.68% | -1.81% | 2nd bottom |
| Yield on Earning Assets | 4.85% | 5.67% | -0.82% | 18th bottom |
| Cost of Funds | 2.03% | 1.88% | +0.15% | 36th below |
| Net Interest Spread | 2.60% | 3.32% | -0.72% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.87% | 0.94% | -0.07% | 31st 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. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans | 0.72% | 1.28% | -0.56% | 8th bottom |
| ACL / NPLs (Coverage) | 82.55% | 1539.27% | -1456.72% | 22nd bottom |
| Texas Ratio | 137.04% | 7.28% | +129.76% | 0th bottom |
| Provision / NCO | 32.94% | 1396.27% | -1363.33% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.10% | 19.51% | -7.41% | 19th bottom |
| Tier 1 Ratio | 12.10% | 19.54% | -7.44% | 18th bottom |
| Total Capital Ratio | 12.58% | 20.63% | -8.05% | 12th bottom |
| Leverage Ratio | 7.79% | 12.14% | -4.35% | 2nd bottom |
| Equity / Assets | 1.02% | 11.38% | -10.36% | 0th bottom |
| TCE / Tangible Assets | -0.03% | 11.10% | -11.13% | 0th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 43.02% | 80.65% | -37.63% | 95th top |
| Core Deposit Ratio | 65.96% | 86.87% | -20.91% | 3rd bottom |
| Wholesale Funding Ratio | 3.14% | 5.03% | -1.89% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.04% | 6.86% | -9.90% | 8th bottom |
| Loan Growth (Y/Y) | 28.23% | 7.90% | +20.33% | 97th top |
| Deposit Growth (Y/Y) | -5.37% | 6.29% | -11.66% | 6th bottom |
See First National Bank and Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank and Trust Company, 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 National Bank and Trust Company profile, how to read a UBPR, or how this data updates.