Hickory Point Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hickory Point Bank and Trust of Decatur, 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 | 1.25% | 1.35% | -0.10% | 49th below |
| ROAE | 11.52% | 12.05% | -0.53% | 45th below |
| Net Interest Margin | 3.72% | 3.90% | -0.18% | 38th below |
| Efficiency Ratio | 64.80% | 63.15% | +1.65% | 40th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.63% | 1.64% | -0.01% | 53rd above |
| Yield on Earning Assets | 4.91% | 5.65% | -0.74% | 20th bottom |
| Cost of Funds | 1.28% | 1.85% | -0.57% | 81st top |
| Net Interest Spread | 3.29% | 3.35% | -0.06% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 0.92% | -0.58% | 54th above |
| NPA / Total Assets | 0.21% | 0.67% | -0.46% | 59th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 363.20% | 1645.68% | -1282.48% | 64th above |
| Texas Ratio | 1.77% | 7.15% | -5.38% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.15% | 20.83% | -4.68% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.15% | 20.86% | -4.71% | 58th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.25% | 21.94% | -4.69% | 58th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.04% | 12.46% | -1.42% | 52nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.04% | 11.67% | -0.63% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.04% | 11.40% | -0.36% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.89% | 78.65% | -8.76% | 70th above |
| Core Deposit Ratio | 94.88% | 87.09% | +7.79% | 83rd top |
| Wholesale Funding Ratio | 0.77% | 5.12% | -4.35% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.80% | 6.48% | -9.28% | 9th bottom |
| Loan Growth (Y/Y) | -7.05% | 7.64% | -14.69% | 5th bottom |
| Deposit Growth (Y/Y) | -3.73% | 6.03% | -9.76% | 9th bottom |
See Hickory Point Bank and Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hickory Point 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 Hickory Point Bank and Trust profile, how to read a UBPR, or how this data updates.