The Havana National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Havana National Bank of Havana, 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 | 1.95% | 1.34% | +0.61% | 84th top |
| ROAE | 17.50% | 13.31% | +4.19% | 78th top |
| Net Interest Margin | 3.89% | 3.93% | -0.04% | 48th below |
| Efficiency Ratio | 45.02% | 61.14% | -16.12% | 89th top |
| PPNR / Avg Assets | 2.65% | 1.68% | +0.97% | 92nd top |
| Yield on Earning Assets | 5.44% | 5.67% | -0.23% | 42nd below |
| Cost of Funds | 1.70% | 1.88% | -0.18% | 56th above |
| Net Interest Spread | 3.55% | 3.32% | +0.23% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.59% | 0.94% | -0.35% | 42nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.42% | 0.70% | -0.28% | 43rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 26th below |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 30th below |
| ACL / NPLs (Coverage) | 176.67% | 1539.15% | -1362.48% | 44th below |
| Texas Ratio | 15.67% | 7.33% | +8.34% | 12th bottom |
| Provision / NCO | 0.00% | 1396.17% | -1396.17% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.17% | 12.14% | +0.03% | 67th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.33% | 11.37% | -0.04% | 64th above |
| TCE / Tangible Assets | 11.30% | 11.09% | +0.21% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.12% | 80.63% | +18.49% | 12th bottom |
| Core Deposit Ratio | 92.22% | 86.86% | +5.36% | 69th above |
| Wholesale Funding Ratio | 17.58% | 5.03% | +12.55% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.75% | 6.85% | -4.10% | 38th below |
| Loan Growth (Y/Y) | 2.74% | 7.90% | -5.16% | 35th below |
| Deposit Growth (Y/Y) | -0.96% | 6.29% | -7.25% | 18th bottom |
See The Havana National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Havana National 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 Havana National Bank profile, how to read a UBPR, or how this data updates.