The First Trust and Savings Bank of Watseka: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First Trust and Savings Bank of Watseka of Watseka, 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 | 1.86% | 1.35% | +0.51% | 81st top |
| ROAE | 12.72% | 12.05% | +0.67% | 52nd above |
| Net Interest Margin | 3.51% | 3.90% | -0.39% | 28th below |
| Efficiency Ratio | 40.50% | 63.16% | -22.66% | 95th top |
| PPNR / Avg Assets | 2.19% | 1.64% | +0.55% | 79th top |
| Yield on Earning Assets | 4.78% | 5.65% | -0.87% | 16th bottom |
| Cost of Funds | 1.49% | 1.85% | -0.36% | 70th above |
| Net Interest Spread | 3.12% | 3.35% | -0.23% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.92% | -0.86% | 77th top |
| NPA / Total Assets | 0.03% | 0.67% | -0.64% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 32nd below |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 38th below |
| ACL / NPLs (Coverage) | 1825.81% | 1645.06% | +180.75% | — |
| Texas Ratio | 0.18% | 7.15% | -6.97% | 86th top |
| Provision / NCO | -2175.00% | 1191.24% | -3366.24% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.10% | 12.46% | +3.64% | 90th top |
| Equity / Assets | 14.93% | 11.67% | +3.26% | 88th top |
| TCE / Tangible Assets | 14.93% | 11.40% | +3.53% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.80% | 78.65% | -24.85% | 89th top |
| Core Deposit Ratio | 90.64% | 87.09% | +3.55% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.89% | 6.47% | +0.42% | 68th above |
| Loan Growth (Y/Y) | -4.33% | 7.64% | -11.97% | 9th bottom |
| Deposit Growth (Y/Y) | 7.08% | 6.02% | +1.06% | 71st above |
See The First Trust and Savings Bank of Watseka's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First Trust and Savings Bank of Watseka, 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 The First Trust and Savings Bank of Watseka profile, how to read a UBPR, or how this data updates.