First National Bank of Lacon: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Lacon of Lacon, 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 | 1.54% | 1.35% | +0.19% | 65th above |
| ROAE | 16.16% | 12.05% | +4.11% | 72nd above |
| Net Interest Margin | 4.08% | 3.90% | +0.18% | 58th above |
| Efficiency Ratio | 61.42% | 63.15% | -1.73% | 50th above |
| PPNR / Avg Assets | 1.54% | 1.64% | -0.10% | 47th below |
| Yield on Earning Assets | 5.03% | 5.65% | -0.62% | 25th below |
| Cost of Funds | 1.02% | 1.85% | -0.83% | 90th top |
| Net Interest Spread | 3.83% | 3.35% | +0.48% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.92% | -0.78% | 69th above |
| NPA / Total Assets | 0.09% | 0.67% | -0.58% | 71st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 22nd bottom |
| ACL / Total Loans | 0.72% | 1.28% | -0.56% | 8th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 530.00% | 1645.61% | -1115.61% | 72nd above |
| Texas Ratio | 0.79% | 7.15% | -6.36% | 75th top |
| Provision / NCO | 57.14% | 1189.89% | -1132.75% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.01% | 20.83% | -4.82% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.01% | 20.86% | -4.85% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.68% | 21.94% | -5.26% | 54th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.78% | 12.46% | -0.68% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.46% | 11.67% | -1.21% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.46% | 11.40% | -0.94% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.65% | 78.65% | -7.00% | 68th above |
| Core Deposit Ratio | 96.12% | 87.09% | +9.03% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.87% | 6.48% | -9.35% | 8th bottom |
| Loan Growth (Y/Y) | 2.56% | 7.64% | -5.08% | 34th below |
| Deposit Growth (Y/Y) | -6.55% | 6.03% | -12.58% | 5th bottom |
See First National Bank of Lacon's peers by name
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Unlock First National Bank of Lacon, 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 First National Bank of Lacon profile, how to read a UBPR, or how this data updates.