First National Bank in Olney: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank in Olney of Olney, 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% | 1.34% | -0.34% | 33rd below |
| ROAE | 10.04% | 13.32% | -3.28% | 36th below |
| Net Interest Margin | 3.42% | 3.93% | -0.51% | 25th below |
| Efficiency Ratio | 59.48% | 61.14% | -1.66% | 56th above |
| PPNR / Avg Assets | 1.47% | 1.68% | -0.21% | 42nd below |
| Yield on Earning Assets | 5.02% | 5.67% | -0.65% | 24th bottom |
| Cost of Funds | 1.74% | 1.88% | -0.14% | 54th above |
| Net Interest Spread | 2.85% | 3.32% | -0.47% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.26% | 0.94% | +1.32% | 11th bottom |
| NPA / Total Assets | 1.11% | 0.70% | +0.41% | 18th bottom |
| NCO / Avg Loans | 0.18% | 0.16% | +0.02% | 14th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) | 55.73% | 1539.41% | -1483.68% | 13th bottom |
| Texas Ratio | 12.23% | 7.33% | +4.90% | 17th bottom |
| Provision / NCO | -489.00% | 1396.79% | -1885.79% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.83% | 12.14% | -1.31% | 47th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.33% | 11.37% | -1.04% | 50th above |
| TCE / Tangible Assets | 9.43% | 11.09% | -1.66% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.63% | 80.65% | -25.02% | 87th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.22% | 86.86% | +0.36% | 40th below |
| Wholesale Funding Ratio | 0.89% | 5.04% | -4.15% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.42% | 6.85% | -4.43% | 35th below |
| Loan Growth (Y/Y) | -8.83% | 7.91% | -16.74% | 3rd bottom |
| Deposit Growth (Y/Y) | 1.92% | 6.29% | -4.37% | 35th below |
See First National Bank in Olney'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 in Olney, 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 in Olney profile, how to read a UBPR, or how this data updates.