First National Bank in Pinckneyville: 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 Pinckneyville of Pinckneyville, 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 | 1.14% | 1.34% | -0.20% | 41st below |
| ROAE | 13.89% | 13.32% | +0.57% | 59th above |
| Net Interest Margin | 4.07% | 3.93% | +0.14% | 57th above |
| Efficiency Ratio | 58.36% | 61.13% | -2.77% | 59th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.60% | 1.68% | -0.08% | 51st above |
| Yield on Earning Assets | 4.83% | 5.67% | -0.84% | 17th bottom |
| Cost of Funds | 0.84% | 1.88% | -1.04% | 95th top |
| Net Interest Spread | 3.75% | 3.32% | +0.43% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.91% | 0.94% | +0.97% | 14th bottom |
| NPA / Total Assets | 0.96% | 0.70% | +0.26% | 21st bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.16% | -0.05% | 18th bottom |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 21st bottom |
| ACL / NPLs (Coverage) | 50.22% | 1546.34% | -1496.12% | 10th bottom |
| Texas Ratio | 11.85% | 7.34% | +4.51% | 18th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 444.44% | 1395.06% | -950.62% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.01% | 19.48% | +2.53% | 83rd top |
| Tier 1 Ratio | 22.01% | 19.52% | +2.49% | 83rd top |
| Total Capital Ratio | 22.92% | 20.60% | +2.32% | 82nd top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.78% | 12.14% | -0.36% | 62nd above |
| Equity / Assets | 8.38% | 11.37% | -2.99% | 18th bottom |
| TCE / Tangible Assets | 8.11% | 11.08% | -2.97% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.11% | 80.66% | -24.55% | 87th top |
| Core Deposit Ratio | 82.26% | 86.85% | -4.59% | 22nd bottom |
| Wholesale Funding Ratio | 0.72% | 5.04% | -4.32% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.00% | 6.84% | -5.84% | 25th below |
| Loan Growth (Y/Y) | 15.25% | 7.92% | +7.33% | 86th top |
| Deposit Growth (Y/Y) | -1.03% | 6.29% | -7.32% | 18th bottom |
See First National Bank in Pinckneyville's peers by name
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Unlock First National Bank in Pinckneyville, 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 Pinckneyville profile, how to read a UBPR, or how this data updates.