The First National Bank of Litchfield: 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 Litchfield of Litchfield, 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 | 1.45% | 1.34% | +0.11% | 60th above |
| ROAE | 13.82% | 13.31% | +0.51% | 59th above |
| Net Interest Margin | 3.73% | 3.93% | -0.20% | 38th below |
| Efficiency Ratio | 58.68% | 61.14% | -2.46% | 58th above |
| PPNR / Avg Assets | 1.51% | 1.68% | -0.17% | 45th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.67% | -0.04% | 51st above |
| Cost of Funds | 2.00% | 1.88% | +0.12% | 37th below |
| Net Interest Spread | 3.12% | 3.32% | -0.20% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.94% | -0.83% | 72nd above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 72nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 37th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| ACL / NPLs (Coverage) | 1134.96% | 1538.74% | -403.78% | — |
| Texas Ratio | 0.81% | 7.33% | -6.52% | 75th top |
| Provision / NCO | 4200.00% | 1394.87% | +2805.13% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.12% | 19.50% | -4.38% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.12% | 19.54% | -4.42% | 50th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.32% | 20.62% | -4.30% | 50th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.50% | 12.14% | -0.64% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.77% | 11.37% | -0.60% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.77% | 11.09% | -0.32% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.50% | 80.64% | +4.86% | 39th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.84% | 86.86% | +0.98% | 43rd below |
| Wholesale Funding Ratio | 1.33% | 5.03% | -3.70% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.54% | 6.85% | +0.69% | 72nd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.07% | 7.90% | -0.83% | 60th above |
| Deposit Growth (Y/Y) | 7.39% | 6.29% | +1.10% | 72nd above |
See The First National Bank of Litchfield'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 Litchfield, 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 Litchfield profile, how to read a UBPR, or how this data updates.