North Central Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks North Central Bank of Hennepin, 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 | 1.63% | 1.34% | +0.29% | 70th above |
| ROAE | 13.85% | 13.31% | +0.54% | 59th above |
| Net Interest Margin | 3.72% | 3.93% | -0.21% | 38th below |
| Efficiency Ratio | 57.25% | 61.14% | -3.89% | 62nd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.65% | 1.68% | -0.03% | 54th above |
| Yield on Earning Assets | 5.01% | 5.67% | -0.66% | 24th bottom |
| Cost of Funds | 1.40% | 1.88% | -0.48% | 75th top |
| Net Interest Spread | 3.40% | 3.32% | +0.08% | 54th 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. | 0.78% | 0.94% | -0.16% | 34th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.40% | 0.70% | -0.30% | 43rd below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 82nd top |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 76th top |
| ACL / NPLs (Coverage) | 187.61% | 1538.91% | -1351.30% | 46th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.24% | 7.33% | -3.09% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.26% | 12.14% | +0.12% | 67th above |
| Equity / Assets | 11.86% | 11.37% | +0.49% | 70th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.45% | 11.09% | -0.64% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.40% | 80.64% | -21.24% | 84th top |
| Core Deposit Ratio | 90.89% | 86.86% | +4.03% | 60th above |
| Wholesale Funding Ratio | 0.30% | 5.03% | -4.73% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.59% | 6.85% | -6.26% | 23rd bottom |
| Loan Growth (Y/Y) | 1.20% | 7.90% | -6.70% | 27th below |
| Deposit Growth (Y/Y) | -0.70% | 6.29% | -6.99% | 20th bottom |
See North Central Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock North Central 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 North Central Bank profile, how to read a UBPR, or how this data updates.