Kinmundy Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Kinmundy Bank of Kinmundy, 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 Behind the peer average, ahead of the median peer. | 2.15% | 3.32% | -1.17% | 86th top |
| ROAE | 15.72% | 8.27% | +7.45% | 82nd top |
| Net Interest Margin | 4.52% | 3.92% | +0.60% | 76th top |
| Efficiency Ratio | 37.78% | 84.55% | -46.77% | 96th top |
| PPNR / Avg Assets | 2.93% | 1.56% | +1.37% | 93rd top |
| Yield on Earning Assets | 6.02% | 5.24% | +0.78% | 77th top |
| Cost of Funds | 1.67% | 1.67% | +0.00% | 44th below |
| Net Interest Spread | 3.78% | 3.30% | +0.48% | 69th 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. | 0.33% | 1.42% | -1.09% | 48th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.33% | 0.71% | -0.38% | 40th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 80th top |
| ACL / Total Loans | 0.79% | 1.53% | -0.74% | 14th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 240.72% | 722.74% | -482.02% | 64th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.42% | 8.57% | -4.15% | 37th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 131.25% | 285.60% | -154.35% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.50% | 127.07% | -105.57% | 49th below |
| Tier 1 Ratio | 21.50% | 127.08% | -105.58% | 49th below |
| Total Capital Ratio | 22.36% | 127.97% | -105.61% | 49th below |
| Leverage Ratio | 13.04% | 22.10% | -9.06% | 49th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.64% | 20.74% | -7.10% | 58th above |
| TCE / Tangible Assets | 12.02% | 20.49% | -8.47% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 73.72% | 74.26% | -0.54% | 40th below |
| Core Deposit Ratio | 96.00% | 88.29% | +7.71% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.32% | 3.80% | +12.52% | 94th top |
| Loan Growth (Y/Y) | 7.68% | 6.85% | +0.83% | 72nd above |
| Deposit Growth (Y/Y) | 16.91% | 2.95% | +13.96% | 94th top |
See Kinmundy Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Kinmundy 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 Kinmundy Bank profile, how to read a UBPR, or how this data updates.