First Southern Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Southern Bank of Marion, IL against its peer group of 931 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 | 1.57% | 1.44% | +0.13% | 70th above |
| ROAE | 14.69% | 12.50% | +2.19% | 69th above |
| Net Interest Margin | 4.16% | 3.84% | +0.32% | 77th top |
| Efficiency Ratio | 42.34% | 58.89% | -16.55% | 90th top |
| PPNR / Avg Assets | 2.35% | 1.78% | +0.57% | 83rd top |
| Yield on Earning Assets | 5.37% | 5.71% | -0.34% | 39th below |
| Cost of Funds | 1.21% | 2.03% | -0.82% | 89th top |
| Net Interest Spread | 3.01% | 3.18% | -0.17% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.00% | 0.96% | +2.04% | 5th bottom |
| NPA / Total Assets | 2.14% | 0.75% | +1.39% | 6th bottom |
| NCO / Avg Loans | 0.45% | 0.30% | +0.15% | 10th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.18% | 1.25% | -0.07% | 55th above |
| ACL / NPLs (Coverage) | 39.29% | 699.57% | -660.28% | 5th bottom |
| Texas Ratio | 22.55% | 7.14% | +15.41% | 5th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 164.12% | 815.39% | -651.27% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.85% | 11.60% | -0.75% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.79% | 11.33% | -0.54% | 57th above |
| TCE / Tangible Assets | 9.26% | 10.65% | -1.39% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.51% | 86.37% | -13.86% | 82nd top |
| Core Deposit Ratio | 91.04% | 85.55% | +5.49% | 63rd above |
| Uninsured Deposit Ratio | 34.63% | 32.71% | +1.92% | 40th below |
| Wholesale Funding Ratio | 2.04% | 5.46% | -3.42% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.17% | 10.47% | -10.64% | 15th bottom |
| Loan Growth (Y/Y) | -0.34% | 8.00% | -8.34% | 16th bottom |
| Deposit Growth (Y/Y) | 2.27% | 7.99% | -5.72% | 33rd below |
See First Southern Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Southern 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 Southern Bank profile, how to read a UBPR, or how this data updates.