The First National Bank of Ava: 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 Ava of Ava, IL against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.04% | 3.14% | -2.10% | 50th above |
| ROAE Behind the peer average, ahead of the median peer. | 9.67% | 10.42% | -0.75% | 56th above |
| Net Interest Margin | 4.13% | 3.93% | +0.20% | 62nd above |
| Efficiency Ratio | 65.23% | 76.32% | -11.09% | 61st above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.33% | 1.40% | -0.07% | 56th above |
| Yield on Earning Assets | 5.05% | 5.35% | -0.30% | 43rd below |
| Cost of Funds | 1.04% | 1.71% | -0.67% | 78th top |
| Net Interest Spread | 3.75% | 3.31% | +0.44% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.07% | 1.34% | -1.27% | 61st above |
| NPA / Total Assets | 0.04% | 0.71% | -0.67% | 57th above |
| NCO / Avg Loans | -0.01% | 0.11% | -0.12% | 80th top |
| ACL / Total Loans | 1.73% | 1.49% | +0.24% | 76th top |
| ACL / NPLs (Coverage) | 2586.67% | 858.60% | +1728.07% | — |
| Texas Ratio | 0.32% | 8.27% | -7.95% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.35% | 62.06% | -42.71% | 40th below |
| Tier 1 Ratio | 19.35% | 62.06% | -42.71% | 40th below |
| Total Capital Ratio | 20.61% | 63.03% | -42.42% | 42nd below |
| Leverage Ratio | 12.76% | 17.61% | -4.85% | 47th below |
| Equity / Assets | 10.91% | 16.44% | -5.53% | 35th below |
| TCE / Tangible Assets | 10.91% | 16.19% | -5.28% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.65% | 72.85% | -8.20% | 53rd above |
| Core Deposit Ratio | 92.43% | 88.21% | +4.22% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.46% | 4.31% | -2.85% | 42nd below |
| Loan Growth (Y/Y) | 20.85% | 6.69% | +14.16% | 91st top |
| Deposit Growth (Y/Y) | -0.01% | 3.78% | -3.79% | 36th below |
See The First National Bank of Ava's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Ava, 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 Ava profile, how to read a UBPR, or how this data updates.