First State Bank of Olmsted: 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 Olmsted of Olmsted, IL against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.22% | 3.14% | -1.92% | 59th above |
| ROAE Behind the peer average, ahead of the median peer. | 9.82% | 10.42% | -0.60% | 57th above |
| Net Interest Margin | 3.82% | 3.93% | -0.11% | 46th below |
| Efficiency Ratio | 57.43% | 76.34% | -18.91% | 74th above |
| PPNR / Avg Assets | 1.68% | 1.40% | +0.28% | 68th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.26% | 5.35% | -0.09% | 52nd above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.63% | 1.70% | -0.07% | 47th below |
| Net Interest Spread | 3.29% | 3.31% | -0.02% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.81% | 1.34% | +0.47% | 19th bottom |
| NPA / Total Assets | 1.19% | 0.71% | +0.48% | 16th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.11% | -0.06% | 19th bottom |
| ACL / Total Loans | 0.91% | 1.49% | -0.58% | 21st bottom |
| ACL / NPLs (Coverage) | 50.21% | 866.77% | -816.56% | 18th bottom |
| Texas Ratio | 11.12% | 8.24% | +2.88% | 18th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 100.00% | 315.52% | -215.52% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.91% | 62.05% | -42.14% | 43rd below |
| Tier 1 Ratio | 19.91% | 62.06% | -42.15% | 43rd below |
| Total Capital Ratio | 20.87% | 63.03% | -42.16% | 43rd below |
| Leverage Ratio | 12.57% | 17.61% | -5.04% | 45th below |
| Equity / Assets | 12.40% | 16.43% | -4.03% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.40% | 16.18% | -3.78% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.35% | 72.82% | +2.53% | 38th below |
| Core Deposit Ratio | 92.90% | 88.20% | +4.70% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.84% | 4.31% | -3.47% | 39th below |
| Loan Growth (Y/Y) | 10.26% | 6.71% | +3.55% | 78th top |
| Deposit Growth (Y/Y) | -0.48% | 3.78% | -4.26% | 33rd below |
See First State Bank of Olmsted's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank of Olmsted, 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 Olmsted profile, how to read a UBPR, or how this data updates.