The First National Bank in Tremont: 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 Tremont of Tremont, 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 | 1.03% | 1.34% | -0.31% | 35th below |
| ROAE | 10.57% | 13.31% | -2.74% | 39th below |
| Net Interest Margin | 4.05% | 3.93% | +0.12% | 56th above |
| Efficiency Ratio | 63.73% | 61.14% | +2.59% | 43rd below |
| PPNR / Avg Assets | 1.42% | 1.68% | -0.26% | 40th below |
| Yield on Earning Assets | 5.22% | 5.67% | -0.45% | 32nd below |
| Cost of Funds | 1.24% | 1.88% | -0.64% | 83rd top |
| Net Interest Spread | 3.65% | 3.32% | +0.33% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.94% | -0.82% | 70th above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 72nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.28% | -0.08% | 50th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 962.18% | 1538.79% | -576.61% | 82nd top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.21% | 7.33% | -3.12% | 45th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 300.00% | 1395.79% | -1095.79% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.89% | 12.14% | -2.25% | 29th below |
| Equity / Assets | 9.97% | 11.37% | -1.40% | 44th below |
| TCE / Tangible Assets | 9.65% | 11.09% | -1.44% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.53% | 80.64% | -5.11% | 60th above |
| Core Deposit Ratio | 92.26% | 86.86% | +5.40% | 69th above |
| Wholesale Funding Ratio | 1.01% | 5.03% | -4.02% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.49% | 6.85% | -4.36% | 36th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.34% | 7.90% | -2.56% | 50th above |
| Deposit Growth (Y/Y) | 1.56% | 6.29% | -4.73% | 32nd below |
See The First National Bank in Tremont'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 Tremont, 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 Tremont profile, how to read a UBPR, or how this data updates.