Legence Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Legence Bank of Eldorado, IL against its peer group of 2757 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 | 2.21% | 1.25% | +0.96% | 90th top |
| ROAE | 22.46% | 12.22% | +10.24% | 92nd top |
| Net Interest Margin | 5.46% | 3.95% | +1.51% | 97th top |
| Efficiency Ratio | 58.04% | 63.71% | -5.67% | 59th above |
| PPNR / Avg Assets | 2.29% | — | — | 83rd top |
| Yield on Earning Assets | 6.57% | 5.67% | +0.90% | 88th top |
| Cost of Funds | 1.14% | 1.87% | -0.73% | 87th top |
| Net Interest Spread | 4.88% | — | — | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.17% | 0.88% | +0.29% | 24th bottom |
| NPA / Total Assets | 0.73% | — | — | 29th below |
| NCO / Avg Loans | 0.46% | 0.15% | +0.31% | 7th bottom |
| ACL / Total Loans | 1.12% | — | — | 40th below |
| ACL / NPLs (Coverage) | 95.18% | — | — | 25th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.20% | 5.96% | -1.76% | 39th below |
| Provision / NCO | 27.96% | — | — | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.61% | 17.18% | -2.57% | 45th below |
| Tier 1 Ratio | 14.61% | 17.21% | -2.60% | 45th below |
| Total Capital Ratio | 15.73% | — | — | 45th below |
| Leverage Ratio | 9.55% | 11.75% | -2.20% | 23rd bottom |
| Equity / Assets | 10.09% | 10.98% | -0.89% | 45th below |
| TCE / Tangible Assets | 9.31% | — | — | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.77% | 80.44% | -10.67% | 71st above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.38% | 86.95% | +1.43% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.05% | — | — | 13th bottom |
| Loan Growth (Y/Y) | -6.10% | — | — | 5th bottom |
| Deposit Growth (Y/Y) | -2.24% | — | — | 13th bottom |
See Legence Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Legence 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 Legence Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Legence Bank peer analysis.