Flanagan State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Flanagan State Bank of Flanagan, 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 | 0.49% | 1.34% | -0.85% | 13th bottom |
| ROAE | 7.20% | 13.32% | -6.12% | 22nd bottom |
| Net Interest Margin | 3.47% | 3.93% | -0.46% | 26th below |
| Efficiency Ratio | 90.26% | 61.13% | +29.13% | 6th bottom |
| PPNR / Avg Assets | 0.63% | 1.68% | -1.05% | 11th bottom |
| Yield on Earning Assets | 4.99% | 5.67% | -0.68% | 23rd bottom |
| Cost of Funds | 1.58% | 1.88% | -0.30% | 64th above |
| Net Interest Spread | 3.14% | 3.32% | -0.18% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.81% | 0.94% | -0.13% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.53% | 0.70% | -0.17% | 37th below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 87th top |
| ACL / Total Loans | 0.95% | 1.28% | -0.33% | 20th bottom |
| ACL / NPLs (Coverage) | 116.29% | 1539.12% | -1422.83% | 32nd below |
| Texas Ratio | 7.83% | 7.33% | +0.50% | 28th below |
| Provision / NCO | 60.22% | 1396.08% | -1335.86% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.80% | 19.51% | -6.71% | 25th below |
| Tier 1 Ratio | 12.80% | 19.54% | -6.74% | 25th below |
| Total Capital Ratio | 13.60% | 20.62% | -7.02% | 23rd bottom |
| Leverage Ratio | 9.59% | 12.14% | -2.55% | 24th bottom |
| Equity / Assets | 6.68% | 11.38% | -4.70% | 5th bottom |
| TCE / Tangible Assets | 6.61% | 11.09% | -4.48% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.28% | 80.64% | -14.36% | 76th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.88% | 86.86% | +0.02% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.38% | 6.85% | -9.23% | 10th bottom |
| Loan Growth (Y/Y) | -2.69% | 7.91% | -10.60% | 13th bottom |
| Deposit Growth (Y/Y) | 1.16% | 6.29% | -5.13% | 30th below |
See Flanagan State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Flanagan State Bank, 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 Flanagan State Bank profile, how to read a UBPR, or how this data updates.