Hartsburg State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hartsburg State Bank of Hartsburg, IL against its peer group of 536 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 | 0.07% | 3.14% | -3.07% | 15th bottom |
| ROAE | 0.78% | 10.42% | -9.64% | 15th bottom |
| Net Interest Margin | 2.77% | 3.93% | -1.16% | 10th bottom |
| Efficiency Ratio | 97.76% | 76.29% | +21.47% | 14th bottom |
| PPNR / Avg Assets | 0.07% | 1.40% | -1.33% | 13th bottom |
| Yield on Earning Assets | 3.27% | 5.35% | -2.08% | 3rd bottom |
| Cost of Funds | 0.37% | 1.71% | -1.34% | 96th top |
| Net Interest Spread | 2.16% | 3.31% | -1.15% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 2.94% | 1.49% | +1.45% | 93rd top |
| Texas Ratio | 0.65% | 8.25% | -7.60% | 59th above |
| Provision / NCO | 0.00% | 314.77% | -314.77% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.51% | 17.61% | -6.10% | 34th below |
| Equity / Assets | 8.45% | 16.43% | -7.98% | 12th bottom |
| TCE / Tangible Assets | 8.45% | 16.18% | -7.73% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 33.81% | 72.85% | -39.04% | 89th top |
| Core Deposit Ratio | 96.66% | 88.21% | +8.45% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.73% | 4.30% | +6.43% | 86th top |
| Loan Growth (Y/Y) | -9.36% | 6.73% | -16.09% | 11th bottom |
| Deposit Growth (Y/Y) | 10.44% | 3.77% | +6.67% | 85th top |
See Hartsburg State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hartsburg 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 Hartsburg State Bank profile, how to read a UBPR, or how this data updates.