The First National Bank of Sparta: 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 Sparta of Sparta, IL against its peer group of 2603 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 | 2.27% | 1.34% | +0.93% | 92nd top |
| ROAE | 21.24% | 13.31% | +7.93% | 90th top |
| Net Interest Margin | 4.24% | 3.93% | +0.31% | 67th above |
| Efficiency Ratio | 56.92% | 61.14% | -4.22% | 64th above |
| PPNR / Avg Assets | 2.22% | 1.68% | +0.54% | 80th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.67% | -0.04% | 51st above |
| Cost of Funds | 1.47% | 1.88% | -0.41% | 71st above |
| Net Interest Spread | 3.79% | 3.32% | +0.47% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.48% | 0.94% | -0.46% | 46th below |
| NPA / Total Assets | 0.21% | 0.70% | -0.49% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.16% | -0.05% | 18th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 53rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 252.28% | 1538.83% | -1286.55% | 55th above |
| Texas Ratio | 3.27% | 7.33% | -4.06% | 51st above |
| Provision / NCO | 100.00% | 1395.71% | -1295.71% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.89% | 19.50% | +6.39% | 89th top |
| Tier 1 Ratio | 25.89% | 19.53% | +6.36% | 89th top |
| Total Capital Ratio | 26.98% | 20.62% | +6.36% | 89th top |
| Leverage Ratio | 12.64% | 12.14% | +0.50% | 72nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.06% | 11.37% | -0.31% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.06% | 11.09% | -0.03% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.29% | 80.64% | -31.35% | 92nd top |
| Core Deposit Ratio | 95.66% | 86.86% | +8.80% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.25% | 6.85% | +3.40% | 83rd top |
| Loan Growth (Y/Y) | 12.23% | 7.90% | +4.33% | 80th top |
| Deposit Growth (Y/Y) | 9.19% | 6.29% | +2.90% | 80th top |
See The First National Bank of Sparta's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Sparta, 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 Sparta profile, how to read a UBPR, or how this data updates.