The Litchfield National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Litchfield National Bank of Litchfield, 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 | 0.62% | 1.34% | -0.72% | 17th bottom |
| ROAE | 8.02% | 13.31% | -5.29% | 25th below |
| Net Interest Margin | 3.16% | 3.93% | -0.77% | 15th bottom |
| Efficiency Ratio | 74.74% | 61.14% | +13.60% | 20th bottom |
| PPNR / Avg Assets | 0.82% | 1.68% | -0.86% | 15th bottom |
| Yield on Earning Assets | 4.59% | 5.67% | -1.08% | 10th bottom |
| Cost of Funds | 1.55% | 1.88% | -0.33% | 67th above |
| Net Interest Spread | 2.52% | 3.32% | -0.80% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.71% | 0.94% | -0.23% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.49% | 0.70% | -0.21% | 39th below |
| NCO / Avg Loans | -0.05% | 0.16% | -0.21% | 95th top |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 31st below |
| ACL / NPLs (Coverage) | 147.70% | 1538.87% | -1391.17% | 40th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.25% | 7.33% | -0.08% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.10% | 19.50% | -3.40% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.10% | 19.54% | -3.44% | 58th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.24% | 20.62% | -3.38% | 58th above |
| Leverage Ratio | 8.94% | 12.14% | -3.20% | 12th bottom |
| Equity / Assets | 8.07% | 11.37% | -3.30% | 14th bottom |
| TCE / Tangible Assets | 8.07% | 11.09% | -3.02% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.59% | 80.64% | -12.05% | 73rd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.43% | 86.86% | +0.57% | 41st below |
| Wholesale Funding Ratio | 2.19% | 5.03% | -2.84% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.45% | 6.85% | -8.30% | 12th bottom |
| Loan Growth (Y/Y) | -0.09% | 7.90% | -7.99% | 22nd bottom |
| Deposit Growth (Y/Y) | 1.22% | 6.29% | -5.07% | 30th below |
See The Litchfield 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 Litchfield 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 Litchfield National Bank profile, how to read a UBPR, or how this data updates.