First Robinson Savings Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Robinson Savings Bank, N.A. of Robinson, 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 | 1.37% | 1.34% | +0.03% | 56th above |
| ROAE | 17.39% | 13.31% | +4.08% | 77th top |
| Net Interest Margin | 3.80% | 3.93% | -0.13% | 42nd below |
| Efficiency Ratio | 51.48% | 61.14% | -9.66% | 78th top |
| PPNR / Avg Assets | 2.07% | 1.68% | +0.39% | 75th top |
| Yield on Earning Assets | 5.16% | 5.67% | -0.51% | 29th below |
| Cost of Funds | 1.43% | 1.88% | -0.45% | 73rd above |
| Net Interest Spread | 3.46% | 3.32% | +0.14% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.37% | 0.94% | +0.43% | 20th bottom |
| NPA / Total Assets | 0.91% | 0.70% | +0.21% | 23rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) | 84.39% | 1539.46% | -1455.07% | 23rd bottom |
| Texas Ratio | 10.37% | 7.33% | +3.04% | 21st bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 633.33% | 1396.06% | -762.73% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.93% | 19.51% | -6.58% | 27th below |
| Tier 1 Ratio | 12.93% | 19.54% | -6.61% | 27th below |
| Total Capital Ratio | 14.08% | 20.63% | -6.55% | 27th below |
| Leverage Ratio | 8.74% | 12.14% | -3.40% | 9th bottom |
| Equity / Assets | 7.98% | 11.38% | -3.40% | 13th bottom |
| TCE / Tangible Assets | 7.98% | 11.09% | -3.11% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.34% | 80.64% | +1.70% | 46th below |
| Core Deposit Ratio | 84.62% | 86.86% | -2.24% | 29th below |
| Wholesale Funding Ratio | 11.33% | 5.03% | +6.30% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.93% | 6.85% | +2.08% | 79th top |
| Loan Growth (Y/Y) | 21.58% | 7.90% | +13.68% | 93rd top |
| Deposit Growth (Y/Y) | 6.49% | 6.29% | +0.20% | 67th above |
See First Robinson Savings Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Robinson Savings Bank, N.A., 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 Robinson Savings Bank, N.A. profile, how to read a UBPR, or how this data updates.