The First National Bank of Carmi: 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 Carmi of Carmi, 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 | 1.25% | 1.34% | -0.09% | 49th below |
| ROAE | 10.40% | 13.32% | -2.92% | 38th below |
| Net Interest Margin | 4.36% | 3.93% | +0.43% | 73rd above |
| Efficiency Ratio | 63.47% | 61.14% | +2.33% | 44th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.66% | 1.68% | -0.02% | 54th above |
| Yield on Earning Assets | 5.82% | 5.67% | +0.15% | 60th above |
| Cost of Funds | 1.59% | 1.88% | -0.29% | 63rd above |
| Net Interest Spread | 3.66% | 3.32% | +0.34% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.99% | 0.94% | +0.05% | 29th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.68% | 0.70% | -0.02% | 31st below |
| NCO / Avg Loans | -0.24% | 0.16% | -0.40% | 99th top |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 69th above |
| ACL / NPLs (Coverage) | 138.58% | 1539.60% | -1401.02% | 38th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.92% | 7.33% | -1.41% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.42% | 12.14% | -0.72% | 57th above |
| Equity / Assets | 11.98% | 11.37% | +0.61% | 71st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.68% | 11.09% | -0.41% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.54% | 80.64% | -2.10% | 54th above |
| Core Deposit Ratio | 98.34% | 86.85% | +11.49% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.69% | 6.85% | -2.16% | 52nd above |
| Loan Growth (Y/Y) | -5.09% | 7.91% | -13.00% | 7th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.70% | 6.29% | -1.59% | 55th above |
See The First National Bank of Carmi'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 Carmi, 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 Carmi profile, how to read a UBPR, or how this data updates.