First National Bank of Waterloo: 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 Waterloo of Waterloo, 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 | 1.01% | 1.35% | -0.34% | 34th below |
| ROAE | 10.70% | 13.33% | -2.63% | 41st below |
| Net Interest Margin | 3.50% | 3.93% | -0.43% | 27th below |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 61.16% | 61.13% | +0.03% | 50th above |
| PPNR / Avg Assets | 1.43% | 1.68% | -0.25% | 40th below |
| Yield on Earning Assets | 4.93% | 5.67% | -0.74% | 20th bottom |
| Cost of Funds | 1.46% | 1.88% | -0.42% | 72nd above |
| Net Interest Spread | 3.09% | 3.32% | -0.23% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.88% | 0.94% | +0.94% | 14th bottom |
| NPA / Total Assets | 1.12% | 0.70% | +0.42% | 18th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 77th top |
| ACL / Total Loans | 1.56% | 1.28% | +0.28% | 82nd top |
| ACL / NPLs (Coverage) | 82.88% | 1547.56% | -1464.68% | 22nd bottom |
| Texas Ratio | 12.17% | 7.33% | +4.84% | 17th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 322.89% | 1396.33% | -1073.44% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.88% | 19.49% | -6.61% | 26th below |
| Tier 1 Ratio | 12.88% | 19.53% | -6.65% | 26th below |
| Total Capital Ratio | 14.13% | 20.61% | -6.48% | 27th below |
| Leverage Ratio | 9.21% | 12.14% | -2.93% | 16th bottom |
| Equity / Assets | 9.87% | 11.37% | -1.50% | 42nd below |
| TCE / Tangible Assets | 8.79% | 11.09% | -2.30% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.35% | 80.67% | -10.32% | 70th above |
| Core Deposit Ratio | 92.24% | 86.84% | +5.40% | 69th above |
| Wholesale Funding Ratio | 5.59% | 5.03% | +0.56% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.25% | 6.85% | -6.60% | 21st bottom |
| Loan Growth (Y/Y) | 3.19% | 7.92% | -4.73% | 37th below |
| Deposit Growth (Y/Y) | 0.69% | 6.29% | -5.60% | 27th below |
See First National Bank of Waterloo's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Waterloo, 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 Waterloo profile, how to read a UBPR, or how this data updates.