The First National Bank of Allendale: 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 of Allendale of Allendale, 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 | 1.17% | 1.34% | -0.17% | 43rd below |
| ROAE Behind the peer average, ahead of the median peer. | 13.07% | 13.31% | -0.24% | 54th above |
| Net Interest Margin | 3.73% | 3.93% | -0.20% | 38th below |
| Efficiency Ratio | 55.40% | 61.14% | -5.74% | 68th above |
| PPNR / Avg Assets | 1.68% | 1.68% | +0.00% | 56th above |
| Yield on Earning Assets | 5.55% | 5.67% | -0.12% | 48th below |
| Cost of Funds | 1.93% | 1.88% | +0.05% | 41st below |
| Net Interest Spread | 3.21% | 3.32% | -0.11% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.47% | 0.94% | -0.47% | 47th below |
| NPA / Total Assets | 0.31% | 0.70% | -0.39% | 50th above |
| 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) | 206.18% | 1539.27% | -1333.09% | 49th below |
| Texas Ratio | 3.19% | 7.33% | -4.14% | 52nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 454.55% | 1396.07% | -941.52% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.80% | 12.14% | -2.34% | 27th below |
| Equity / Assets | 9.24% | 11.38% | -2.14% | 31st below |
| TCE / Tangible Assets | 9.13% | 11.09% | -1.96% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.30% | 80.64% | -4.34% | 59th above |
| Core Deposit Ratio | 80.02% | 86.86% | -6.84% | 16th bottom |
| Wholesale Funding Ratio | 2.19% | 5.03% | -2.84% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.50% | 6.85% | +0.65% | 72nd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.46% | 7.90% | -2.44% | 51st above |
| Deposit Growth (Y/Y) | 7.40% | 6.29% | +1.11% | 73rd above |
See The First National Bank of Allendale'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 of Allendale, 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 of Allendale profile, how to read a UBPR, or how this data updates.