First Security Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Security Bank of Mackinaw, IL against its peer group of 2757 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 | 1.28% | 1.25% | +0.03% | 50th above |
| ROAE | 11.53% | 12.22% | -0.69% | 44th below |
| Net Interest Margin | 4.27% | 3.95% | +0.32% | 68th above |
| Efficiency Ratio | 64.57% | 63.71% | +0.86% | 39th below |
| PPNR / Avg Assets | 1.36% | — | — | 36th below |
| Yield on Earning Assets | 6.31% | 5.67% | +0.64% | 81st top |
| Cost of Funds | 2.29% | 1.87% | +0.42% | 22nd bottom |
| Net Interest Spread | 3.81% | — | — | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.11% | — | — | 40th below |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.22% | 11.75% | -2.53% | 15th bottom |
| Equity / Assets | 11.16% | 10.98% | +0.18% | 61st above |
| TCE / Tangible Assets | 9.20% | — | — | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.21% | 80.44% | +17.77% | 14th bottom |
| Core Deposit Ratio | 82.50% | 86.95% | -4.45% | 22nd bottom |
| Wholesale Funding Ratio | 5.24% | — | — | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.93% | — | — | 94th top |
| Loan Growth (Y/Y) | 25.42% | — | — | 96th top |
| Deposit Growth (Y/Y) | 12.10% | — | — | 88th top |
See First Security Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Security Bank, 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 Security Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Security Bank peer analysis.