The First National Bank of Brownstown: 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 Brownstown of Brownstown, IL against its peer group of 506 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. | 1.26% | 3.13% | -1.87% | 61st above |
| ROAE | 12.48% | 10.30% | +2.18% | 70th above |
| Net Interest Margin | 3.96% | 3.94% | +0.02% | 55th above |
| Efficiency Ratio | 56.25% | 76.35% | -20.10% | 77th top |
| PPNR / Avg Assets | 1.60% | 1.40% | +0.20% | 65th above |
| Yield on Earning Assets | 5.08% | 5.35% | -0.27% | 45th below |
| Cost of Funds | 1.21% | 1.70% | -0.49% | 68th above |
| Net Interest Spread | 3.64% | 3.32% | +0.32% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.93% | 1.34% | -0.41% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.34% | 0.71% | -0.37% | 39th below |
| NCO / Avg Loans | 0.27% | 0.10% | +0.17% | 8th bottom |
| ACL / Total Loans | 1.99% | 1.49% | +0.50% | 82nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 213.64% | 866.70% | -653.06% | 60th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.97% | 8.27% | -4.30% | 41st below |
| Provision / NCO | 20.00% | 291.02% | -271.02% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 26.84% | 62.29% | -35.45% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 26.84% | 62.29% | -35.45% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 28.10% | 63.26% | -35.16% | 62nd above |
| Leverage Ratio | 11.25% | 17.65% | -6.40% | 31st below |
| Equity / Assets | 10.67% | 16.46% | -5.79% | 33rd below |
| TCE / Tangible Assets | 10.67% | 16.20% | -5.53% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.76% | 72.88% | -31.12% | 82nd top |
| Core Deposit Ratio | 94.14% | 88.27% | +5.87% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -10.81% | 4.28% | -15.09% | 4th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.13% | 6.75% | -0.62% | 66th above |
| Deposit Growth (Y/Y) | -13.70% | 3.75% | -17.45% | 3rd bottom |
See The First National Bank of Brownstown's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Brownstown, 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 Brownstown profile, how to read a UBPR, or how this data updates.