First State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank of Mendota, IL against its peer group of 941 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 | 1.11% | 1.34% | -0.23% | 36th below |
| ROAE | 10.27% | 12.34% | -2.07% | 32nd below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.81% | 3.83% | -0.02% | 57th above |
| Efficiency Ratio | 61.58% | 58.97% | +2.61% | 39th below |
| PPNR / Avg Assets | 1.80% | — | — | 55th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.71% | -0.05% | 58th above |
| Cost of Funds | 2.02% | 2.02% | +0.00% | 49th below |
| Net Interest Spread | 3.31% | — | — | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.47% | 0.87% | -0.40% | 54th above |
| NPA / Total Assets | 0.39% | — | — | 52nd above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 72nd above |
| ACL / Total Loans | 1.15% | — | — | 50th above |
| ACL / NPLs (Coverage) | 245.75% | — | — | 57th above |
| Texas Ratio | 3.43% | 5.48% | -2.05% | 52nd above |
| Provision / NCO | 27075.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.42% | 14.99% | -0.57% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.42% | 15.02% | -0.60% | 63rd above |
| Total Capital Ratio | 15.68% | — | — | 65th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.93% | 11.11% | -0.18% | 59th above |
| Equity / Assets | 11.04% | 11.02% | +0.02% | 61st above |
| TCE / Tangible Assets | 10.54% | — | — | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.20% | 86.99% | +12.21% | 19th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.64% | 85.57% | +2.07% | 44th below |
| Uninsured Deposit Ratio | 26.79% | 33.19% | -6.40% | 64th above |
| Wholesale Funding Ratio | 4.32% | — | — | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.07% | — | — | 14th bottom |
| Loan Growth (Y/Y) | -1.03% | — | — | 13th bottom |
| Deposit Growth (Y/Y) | 2.25% | — | — | 31st below |
See First State Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State 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 State 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 State Bank peer analysis.