The First National Bank of Raymond: 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 Raymond of Raymond, 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 | 1.19% | 1.34% | -0.15% | 45th below |
| ROAE | 16.53% | 13.31% | +3.22% | 74th above |
| Net Interest Margin | 3.60% | 3.93% | -0.33% | 32nd below |
| Efficiency Ratio | 63.61% | 61.14% | +2.47% | 43rd below |
| PPNR / Avg Assets | 1.19% | 1.68% | -0.49% | 28th below |
| Yield on Earning Assets | 4.49% | 5.67% | -1.18% | 9th bottom |
| Cost of Funds | 0.99% | 1.88% | -0.89% | 92nd top |
| Net Interest Spread | 3.05% | 3.32% | -0.27% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.42% | 0.94% | -0.52% | 49th below |
| NPA / Total Assets | 0.19% | 0.70% | -0.51% | 61st above |
| NCO / Avg Loans | -0.20% | 0.16% | -0.36% | 98th top |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 303.43% | 1538.92% | -1235.49% | 60th above |
| Texas Ratio | 2.33% | 7.33% | -5.00% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.91% | 12.14% | -1.23% | 49th below |
| Equity / Assets | 7.47% | 11.38% | -3.91% | 9th bottom |
| TCE / Tangible Assets | 7.47% | 11.09% | -3.62% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 47.99% | 80.64% | -32.65% | 92nd top |
| Core Deposit Ratio | 93.09% | 86.86% | +6.23% | 74th above |
| Wholesale Funding Ratio | 0.15% | 5.03% | -4.88% | 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. | 4.61% | 6.85% | -2.24% | 51st above |
| Loan Growth (Y/Y) | 2.94% | 7.90% | -4.96% | 36th below |
| Deposit Growth (Y/Y) | 2.84% | 6.29% | -3.45% | 42nd below |
See The First National Bank of Raymond'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 Raymond, 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 Raymond profile, how to read a UBPR, or how this data updates.