First State Bank of Van Orin: 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 Van Orin of Van Orin, 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 | 0.86% | 3.14% | -2.28% | 41st below |
| ROAE Behind the peer average, ahead of the median peer. | 8.40% | 10.42% | -2.02% | 50th above |
| Net Interest Margin | 2.61% | 3.93% | -1.32% | 8th bottom |
| Efficiency Ratio | 64.93% | 76.31% | -11.38% | 61st above |
| PPNR / Avg Assets | 0.86% | 1.40% | -0.54% | 33rd below |
| Yield on Earning Assets | 3.80% | 5.35% | -1.55% | 8th bottom |
| Cost of Funds | 1.25% | 1.71% | -0.46% | 66th above |
| Net Interest Spread | 2.31% | 3.31% | -1.00% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.11% | -0.04% | 17th bottom |
| ACL / Total Loans | 1.73% | 1.49% | +0.24% | 76th top |
| Texas Ratio | 13.10% | 8.24% | +4.86% | 14th bottom |
| Provision / NCO | 0.00% | 315.23% | -315.23% | 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. | 26.68% | 61.94% | -35.26% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 26.68% | 61.95% | -35.27% | 61st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 27.84% | 62.91% | -35.07% | 61st above |
| Leverage Ratio | 12.40% | 17.61% | -5.21% | 43rd below |
| Equity / Assets | 10.62% | 16.43% | -5.81% | 32nd below |
| TCE / Tangible Assets | 9.98% | 16.18% | -6.20% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 34.03% | 72.87% | -38.84% | 89th top |
| Core Deposit Ratio | 97.71% | 88.20% | +9.51% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.97% | 4.31% | -9.28% | 12th bottom |
| Loan Growth (Y/Y) | 1.42% | 6.73% | -5.31% | 46th below |
| Deposit Growth (Y/Y) | -7.14% | 3.78% | -10.92% | 8th bottom |
See First State Bank of Van Orin'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 Van Orin, 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 Van Orin profile, how to read a UBPR, or how this data updates.