First State Bank Shannon-Polo: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank Shannon-Polo of Shannon, IL against its peer group of 2672 similarly-sized US banks as of Q3 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 Ahead of the peer average, behind the median peer. | 1.38% | 1.25% | +0.13% | 39th below |
| ROAE | 17.56% | 13.24% | +4.32% | 74th above |
| Net Interest Margin | 3.35% | 3.95% | -0.60% | 14th bottom |
| Efficiency Ratio | 64.74% | 61.22% | +3.52% | 23rd bottom |
| PPNR / Avg Assets | 1.44% | — | — | 26th below |
| Yield on Earning Assets | 4.64% | 5.68% | -1.04% | 13th bottom |
| Cost of Funds | 1.41% | 1.88% | -0.47% | 62nd above |
| Net Interest Spread | 3.02% | — | — | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.54% | 0.94% | +0.60% | 16th bottom |
| NPA / Total Assets | 0.88% | — | — | 15th bottom |
| NCO / Avg Loans | -0.13% | 0.16% | -0.29% | 100th top |
| ACL / Total Loans | 1.18% | — | — | 44th below |
| ACL / NPLs (Coverage) | 76.88% | — | — | 16th bottom |
| Texas Ratio | 12.32% | 7.40% | +4.92% | 15th bottom |
| Provision / NCO | 74.51% | — | — | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.13% | 17.09% | -2.96% | 25th below |
| Tier 1 Ratio | 14.13% | 17.12% | -2.99% | 25th below |
| Total Capital Ratio | 15.04% | — | — | 25th below |
| Leverage Ratio | 10.54% | 11.73% | -1.19% | 23rd bottom |
| Equity / Assets | 7.62% | 10.96% | -3.34% | 5th bottom |
| TCE / Tangible Assets | 6.57% | — | — | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.24% | 80.60% | -16.36% | 62nd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.60% | 86.92% | +0.68% | 33rd below |
| Wholesale Funding Ratio | 2.34% | — | — | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.86% | — | — | 15th bottom |
| Loan Growth (Y/Y) | 2.84% | — | — | 33rd below |
| Deposit Growth (Y/Y) | -0.66% | — | — | 16th bottom |
See First State Bank Shannon-Polo'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 Shannon-Polo, 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 Shannon-Polo profile, how to read a UBPR, or how this data updates.