FNBC Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FNBC Bank and Trust of La Grange, 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 | 1.54% | 1.34% | +0.20% | 66th above |
| ROAE | 16.56% | 13.32% | +3.24% | 74th above |
| Net Interest Margin | 3.43% | 3.93% | -0.50% | 25th below |
| Efficiency Ratio | 62.62% | 61.13% | +1.49% | 46th below |
| PPNR / Avg Assets | 1.76% | 1.68% | +0.08% | 61st above |
| Yield on Earning Assets | 4.42% | 5.67% | -1.25% | 7th bottom |
| Cost of Funds | 1.07% | 1.88% | -0.81% | 89th top |
| Net Interest Spread | 2.87% | 3.32% | -0.45% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 83rd top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 86th top |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| ACL / NPLs (Coverage) | 3041.94% | 1545.20% | +1496.74% | — |
| Texas Ratio | 0.22% | 7.34% | -7.12% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.63% | 19.49% | -1.86% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.63% | 19.52% | -1.89% | 67th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.81% | 20.61% | -1.80% | 67th above |
| Leverage Ratio | 10.02% | 12.14% | -2.12% | 32nd below |
| Equity / Assets | 9.29% | 11.37% | -2.08% | 32nd below |
| TCE / Tangible Assets | 9.08% | 11.08% | -2.00% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.52% | 80.67% | -18.15% | 80th top |
| Core Deposit Ratio | 96.82% | 86.84% | +9.98% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.63% | 6.84% | -5.21% | 30th below |
| Loan Growth (Y/Y) | 10.57% | 7.92% | +2.65% | 75th top |
| Deposit Growth (Y/Y) | 1.54% | 6.29% | -4.75% | 32nd below |
See FNBC Bank and Trust's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FNBC Bank and Trust, 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 FNBC Bank and Trust profile, how to read a UBPR, or how this data updates.