First State Bank of Campbell Hill: 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 Campbell Hill of Campbell Hill, 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 | 1.71% | 1.34% | +0.37% | 74th above |
| ROAE Behind the peer average, ahead of the median peer. | 13.10% | 13.31% | -0.21% | 54th above |
| Net Interest Margin | 4.24% | 3.93% | +0.31% | 67th above |
| Efficiency Ratio | 47.20% | 61.14% | -13.94% | 86th top |
| PPNR / Avg Assets | 2.39% | 1.68% | +0.71% | 87th top |
| Yield on Earning Assets | 5.34% | 5.67% | -0.33% | 37th below |
| Cost of Funds | 1.27% | 1.88% | -0.61% | 81st top |
| Net Interest Spread | 3.77% | 3.32% | +0.45% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.94% | -0.62% | 56th above |
| NPA / Total Assets | 0.31% | 0.70% | -0.39% | 50th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 37th below |
| ACL / Total Loans | 0.91% | 1.28% | -0.37% | 18th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 285.84% | 1538.88% | -1253.04% | 59th above |
| Texas Ratio | 9.07% | 7.33% | +1.74% | 24th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 166.67% | 1395.78% | -1229.11% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.75% | 19.50% | +2.25% | 82nd top |
| Tier 1 Ratio | 21.75% | 19.53% | +2.22% | 82nd top |
| Total Capital Ratio | 22.75% | 20.62% | +2.13% | 81st top |
| Leverage Ratio | 13.82% | 12.14% | +1.68% | 80th top |
| Equity / Assets | 13.32% | 11.37% | +1.95% | 80th top |
| TCE / Tangible Assets | 13.32% | 11.09% | +2.23% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.24% | 80.64% | -2.40% | 55th above |
| Core Deposit Ratio | 96.16% | 86.86% | +9.30% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.64% | 6.85% | -6.21% | 23rd bottom |
| Loan Growth (Y/Y) | 1.79% | 7.90% | -6.11% | 30th below |
| Deposit Growth (Y/Y) | -0.63% | 6.29% | -6.92% | 20th bottom |
See First State Bank of Campbell Hill's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank of Campbell Hill, 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 of Campbell Hill profile, how to read a UBPR, or how this data updates.