The FNB Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The FNB Community Bank of Vandalia, IL against its peer group of 2603 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 | 1.44% | 1.34% | +0.10% | 60th above |
| ROAE | 14.55% | 13.32% | +1.23% | 63rd above |
| Net Interest Margin | 3.66% | 3.93% | -0.27% | 35th below |
| Efficiency Ratio | 55.49% | 61.13% | -5.64% | 67th above |
| PPNR / Avg Assets | 1.94% | 1.68% | +0.26% | 70th above |
| Yield on Earning Assets | 5.01% | 5.67% | -0.66% | 24th bottom |
| Cost of Funds | 1.48% | 1.88% | -0.40% | 71st above |
| Net Interest Spread | 3.20% | 3.32% | -0.12% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.94% | -0.78% | 67th above |
| NPA / Total Assets | 0.11% | 0.70% | -0.59% | 69th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 28th below |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 44th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 694.12% | 1546.57% | -852.45% | 77th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.90% | 7.34% | -1.44% | 36th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 558.82% | 1395.48% | -836.66% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.80% | 19.49% | -1.69% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.80% | 19.52% | -1.72% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.84% | 20.61% | -1.77% | 67th above |
| Leverage Ratio | 12.57% | 12.14% | +0.43% | 71st above |
| Equity / Assets | 9.99% | 11.37% | -1.38% | 45th below |
| TCE / Tangible Assets | 9.40% | 11.08% | -1.68% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.09% | 80.67% | -7.58% | 65th above |
| Core Deposit Ratio | 86.12% | 86.85% | -0.73% | 35th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.35% | 5.04% | -0.69% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.64% | 6.84% | -4.20% | 37th below |
| Loan Growth (Y/Y) | 15.48% | 7.91% | +7.57% | 87th top |
| Deposit Growth (Y/Y) | -3.38% | 6.29% | -9.67% | 9th bottom |
See The FNB Community Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The FNB Community 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 The FNB Community Bank profile, how to read a UBPR, or how this data updates.