First State Bank of St. Peter: 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 St. Peter of Saint Peter, 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. | 1.73% | 3.14% | -1.41% | 76th top |
| ROAE Behind the peer average, ahead of the median peer. | 10.13% | 10.42% | -0.29% | 59th above |
| Net Interest Margin | 4.04% | 3.93% | +0.11% | 58th above |
| Efficiency Ratio | 45.46% | 76.33% | -30.87% | 92nd top |
| PPNR / Avg Assets | 1.98% | 1.40% | +0.58% | 78th top |
| Yield on Earning Assets | 4.67% | 5.35% | -0.68% | 28th below |
| Cost of Funds | 0.76% | 1.71% | -0.95% | 89th top |
| Net Interest Spread | 3.51% | 3.31% | +0.20% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.94% | 1.34% | +0.60% | 18th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.49% | 0.71% | -0.22% | 32nd below |
| NCO / Avg Loans | 1.31% | 0.10% | +1.21% | 2nd bottom |
| ACL / Total Loans | 1.49% | 1.49% | +0.00% | 67th above |
| ACL / NPLs (Coverage) | 76.51% | 865.12% | -788.61% | 33rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.77% | 8.25% | -5.48% | 47th below |
| Provision / NCO | 0.00% | 315.02% | -315.02% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 45.91% | 61.89% | -15.98% | 77th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 45.91% | 61.89% | -15.98% | 77th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 46.83% | 62.86% | -16.03% | 77th top |
| Leverage Ratio | 18.52% | 17.60% | +0.92% | 77th top |
| Equity / Assets | 17.47% | 16.42% | +1.05% | 75th top |
| TCE / Tangible Assets | 17.47% | 16.17% | +1.30% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 31.23% | 72.86% | -41.63% | 90th top |
| Core Deposit Ratio | 97.97% | 88.21% | +9.76% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.51% | 4.31% | -6.82% | 20th bottom |
| Loan Growth (Y/Y) | -5.99% | 6.73% | -12.72% | 17th bottom |
| Deposit Growth (Y/Y) | -3.73% | 3.78% | -7.51% | 17th bottom |
See First State Bank of St. Peter'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 St. Peter, 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 St. Peter profile, how to read a UBPR, or how this data updates.