The First National Bank of Okawville: 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 Okawville of Okawville, 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 | 0.58% | 3.33% | -2.75% | 29th below |
| ROAE | 5.30% | 8.29% | -2.99% | 33rd below |
| Net Interest Margin | 3.15% | 3.93% | -0.78% | 18th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 78.51% | 84.48% | -5.97% | 34th below |
| PPNR / Avg Assets | 0.58% | 1.56% | -0.98% | 22nd bottom |
| Yield on Earning Assets | 4.03% | 5.24% | -1.21% | 13th bottom |
| Cost of Funds | 0.93% | 1.67% | -0.74% | 82nd top |
| Net Interest Spread | 2.69% | 3.30% | -0.61% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 1.42% | -1.31% | 58th above |
| NPA / Total Assets | 0.04% | 0.71% | -0.67% | 57th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.83% | 1.53% | -0.70% | 17th bottom |
| ACL / NPLs (Coverage) | 733.33% | 721.41% | +11.92% | 85th top |
| Texas Ratio | 0.32% | 8.57% | -8.25% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.55% | 22.10% | -9.55% | 44th below |
| Equity / Assets | 10.99% | 20.74% | -9.75% | 36th below |
| TCE / Tangible Assets | 10.99% | 20.49% | -9.50% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 35.98% | 74.33% | -38.35% | 87th top |
| Core Deposit Ratio | 95.67% | 88.29% | +7.38% | 75th 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. | 3.29% | 3.82% | -0.53% | 54th above |
| Loan Growth (Y/Y) | 0.79% | 6.86% | -6.07% | 44th below |
| Deposit Growth (Y/Y) | 3.25% | 2.98% | +0.27% | 56th above |
See The First National Bank of Okawville'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 Okawville, 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 Okawville profile, how to read a UBPR, or how this data updates.