The First National Bank in Amboy: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank in Amboy of Amboy, 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 | 1.00% | 1.35% | -0.35% | 33rd below |
| ROAE | 10.92% | 12.05% | -1.13% | 41st below |
| Net Interest Margin | 3.54% | 3.90% | -0.36% | 29th below |
| Efficiency Ratio | 66.85% | 63.15% | +3.70% | 35th below |
| PPNR / Avg Assets | 1.13% | 1.64% | -0.51% | 26th below |
| Yield on Earning Assets | 4.93% | 5.65% | -0.72% | 20th bottom |
| Cost of Funds | 1.53% | 1.85% | -0.32% | 67th above |
| Net Interest Spread | 3.10% | 3.35% | -0.25% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.92% | -0.88% | 80th top |
| NPA / Total Assets | 0.02% | 0.67% | -0.65% | 83rd top |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 88th top |
| ACL / Total Loans | 1.82% | 1.28% | +0.54% | 91st top |
| ACL / NPLs (Coverage) | 4282.46% | 1644.02% | +2638.44% | — |
| Texas Ratio | 0.18% | 7.15% | -6.97% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.67% | 12.46% | -1.79% | 45th below |
| Equity / Assets | 9.10% | 11.67% | -2.57% | 29th below |
| TCE / Tangible Assets | 9.10% | 11.40% | -2.30% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.51% | 78.65% | -28.14% | 91st top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.22% | 87.09% | +1.13% | 45th below |
| Wholesale Funding Ratio | 8.70% | 5.11% | +3.59% | 18th bottom |
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. | 5.99% | 6.47% | -0.48% | 62nd above |
| Loan Growth (Y/Y) | 8.24% | 7.64% | +0.60% | 66th above |
| Deposit Growth (Y/Y) | 7.59% | 6.02% | +1.57% | 74th above |
See The First National Bank in Amboy's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank in Amboy, 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 The First National Bank in Amboy profile, how to read a UBPR, or how this data updates.