Milledgeville State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Milledgeville State Bank of Milledgeville, IL against its peer group of 2601 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% | 1.35% | -0.73% | 16th bottom |
| ROAE | 6.61% | 13.33% | -6.72% | 20th bottom |
| Net Interest Margin | 3.18% | 3.93% | -0.75% | 15th bottom |
| Efficiency Ratio | 45.72% | 61.13% | -15.41% | 89th top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.65% | 1.68% | -0.03% | 54th above |
| Yield on Earning Assets | 5.85% | 5.67% | +0.18% | 61st above |
| Cost of Funds | 2.76% | 1.88% | +0.88% | 9th bottom |
| Net Interest Spread | 2.59% | 3.32% | -0.73% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 0.94% | -0.66% | 59th above |
| NPA / Total Assets | 0.18% | 0.70% | -0.52% | 61st above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 459.59% | 1546.36% | -1086.77% | 69th above |
| Texas Ratio | 1.77% | 7.34% | -5.57% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.76% | 19.49% | -5.73% | 36th below |
| Tier 1 Ratio | 13.76% | 19.52% | -5.76% | 36th below |
| Total Capital Ratio | 14.86% | 20.61% | -5.75% | 36th below |
| Leverage Ratio | 10.48% | 12.14% | -1.66% | 41st below |
| Equity / Assets | 9.40% | 11.37% | -1.97% | 34th below |
| TCE / Tangible Assets | 9.40% | 11.08% | -1.68% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.06% | 80.66% | +1.40% | 47th below |
| Core Deposit Ratio | 64.35% | 86.85% | -22.50% | 3rd bottom |
| Wholesale Funding Ratio | 10.29% | 5.03% | +5.26% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.01% | 6.84% | +4.17% | 85th top |
| Loan Growth (Y/Y) | 16.06% | 7.92% | +8.14% | 88th top |
| Deposit Growth (Y/Y) | 10.61% | 6.29% | +4.32% | 85th top |
See Milledgeville State Bank's peers by name
The 2601 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Milledgeville 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 Milledgeville State Bank profile, how to read a UBPR, or how this data updates.