Illini State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Illini State Bank of Tonica, 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 | 1.41% | 1.34% | +0.07% | 58th above |
| ROAE | 9.99% | 13.31% | -3.32% | 36th below |
| Net Interest Margin | 3.20% | 3.93% | -0.73% | 16th bottom |
| Efficiency Ratio | 48.89% | 61.14% | -12.25% | 83rd top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.62% | 1.68% | -0.06% | 52nd above |
| Yield on Earning Assets | 4.94% | 5.67% | -0.73% | 21st bottom |
| Cost of Funds | 1.99% | 1.88% | +0.11% | 38th below |
| Net Interest Spread | 2.50% | 3.32% | -0.82% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.26% | 0.94% | +1.32% | 11th bottom |
| NPA / Total Assets | 1.41% | 0.70% | +0.71% | 13th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 43rd below |
| ACL / NPLs (Coverage) | 50.60% | 1538.94% | -1488.34% | 11th bottom |
| Texas Ratio | 11.33% | 7.33% | +4.00% | 19th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 900.00% | 1395.61% | -495.61% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.42% | 12.14% | +2.28% | 83rd top |
| Equity / Assets | 14.29% | 11.37% | +2.92% | 86th top |
| TCE / Tangible Assets | 12.07% | 11.09% | +0.98% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.50% | 80.64% | +5.86% | 36th below |
| Core Deposit Ratio | 70.32% | 86.86% | -16.54% | 5th bottom |
| Wholesale Funding Ratio | 12.96% | 5.03% | +7.93% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.35% | 6.85% | -5.50% | 28th below |
| Loan Growth (Y/Y) | 1.07% | 7.90% | -6.83% | 27th below |
| Deposit Growth (Y/Y) | -2.39% | 6.29% | -8.68% | 12th bottom |
See Illini State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Illini 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 Illini State Bank profile, how to read a UBPR, or how this data updates.