First State Bank of Forrest: 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 Forrest of Forrest, 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 | 0.77% | 1.34% | -0.57% | 21st bottom |
| ROAE | 8.71% | 13.32% | -4.61% | 29th below |
| Net Interest Margin | 3.71% | 3.93% | -0.22% | 37th below |
| Efficiency Ratio | 64.08% | 61.14% | +2.94% | 42nd below |
| PPNR / Avg Assets | 1.36% | 1.68% | -0.32% | 37th below |
| Yield on Earning Assets | 6.00% | 5.67% | +0.33% | 68th above |
| Cost of Funds | 2.47% | 1.88% | +0.59% | 16th bottom |
| Net Interest Spread | 3.17% | 3.32% | -0.15% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.81% | 0.94% | -0.13% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.69% | 0.70% | -0.01% | 30th below |
| NCO / Avg Loans | 0.73% | 0.16% | +0.57% | 4th bottom |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 20th bottom |
| ACL / NPLs (Coverage) | 116.09% | 1539.17% | -1423.08% | 32nd below |
| Texas Ratio | 15.93% | 7.33% | +8.60% | 11th bottom |
| Provision / NCO | 122.24% | 1396.10% | -1273.86% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.83% | 19.51% | -7.68% | 16th bottom |
| Tier 1 Ratio | 11.83% | 19.54% | -7.71% | 15th bottom |
| Total Capital Ratio | 12.91% | 20.63% | -7.72% | 15th bottom |
| Leverage Ratio | 9.06% | 12.14% | -3.08% | 13th bottom |
| Equity / Assets | 8.95% | 11.38% | -2.43% | 26th below |
| TCE / Tangible Assets | 8.95% | 11.09% | -2.14% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.52% | 80.63% | +17.89% | 13th bottom |
| Core Deposit Ratio | 85.49% | 86.86% | -1.37% | 32nd below |
| Wholesale Funding Ratio | 5.48% | 5.03% | +0.45% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.98% | 6.85% | -3.87% | 39th below |
| Loan Growth (Y/Y) | -0.38% | 7.91% | -8.29% | 21st bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.07% | 6.29% | -0.22% | 65th above |
See First State Bank of Forrest'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 Forrest, 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 Forrest profile, how to read a UBPR, or how this data updates.