First National Bank of Steeleville: 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 Steeleville of Steeleville, 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 | 2.00% | 1.34% | +0.66% | 85th top |
| ROAE | 18.13% | 13.32% | +4.81% | 80th top |
| Net Interest Margin | 3.61% | 3.93% | -0.32% | 32nd below |
| Efficiency Ratio | 49.65% | 61.13% | -11.48% | 81st top |
| PPNR / Avg Assets | 2.03% | 1.68% | +0.35% | 74th above |
| Yield on Earning Assets | 4.90% | 5.67% | -0.77% | 19th bottom |
| Cost of Funds | 1.40% | 1.88% | -0.48% | 75th top |
| Net Interest Spread | 3.28% | 3.32% | -0.04% | 48th 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. | 0.50% | 0.94% | -0.44% | 45th below |
| NPA / Total Assets | 0.20% | 0.70% | -0.50% | 60th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 42nd below |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 35th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 216.03% | 1546.51% | -1330.48% | 50th above |
| Texas Ratio | 1.96% | 7.34% | -5.38% | 63rd above |
| Provision / NCO | -169.57% | 1395.50% | -1565.07% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.43% | 19.48% | +4.95% | 87th top |
| Tier 1 Ratio | 24.43% | 19.52% | +4.91% | 87th top |
| Total Capital Ratio | 25.27% | 20.60% | +4.67% | 87th top |
| Leverage Ratio | 13.55% | 12.14% | +1.41% | 79th top |
| Equity / Assets | 11.47% | 11.36% | +0.11% | 66th above |
| TCE / Tangible Assets | 11.47% | 11.08% | +0.39% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 48.30% | 80.67% | -32.37% | 92nd top |
| Core Deposit Ratio | 91.25% | 86.85% | +4.40% | 63rd above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.35% | 5.04% | -0.69% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.09% | 6.84% | -6.75% | 20th bottom |
| Loan Growth (Y/Y) | -2.24% | 7.92% | -10.16% | 14th bottom |
| Deposit Growth (Y/Y) | -1.17% | 6.29% | -7.46% | 17th bottom |
See First National Bank of Steeleville's peers by name
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Unlock First National Bank of Steeleville, 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 Steeleville profile, how to read a UBPR, or how this data updates.