North County Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks North County Savings Bank of Red Bud, 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 | 0.46% | 3.33% | -2.87% | 25th below |
| ROAE | 5.80% | 8.29% | -2.49% | 35th below |
| Net Interest Margin | 2.56% | 3.93% | -1.37% | 8th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 79.38% | 84.48% | -5.10% | 33rd below |
| PPNR / Avg Assets | 0.50% | 1.56% | -1.06% | 20th bottom |
| Yield on Earning Assets | 3.96% | 5.24% | -1.28% | 12th bottom |
| Cost of Funds | 1.49% | 1.67% | -0.18% | 53rd above |
| Net Interest Spread | 2.18% | 3.30% | -1.12% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.45% | 1.53% | -1.08% | 2nd bottom |
| Texas Ratio | 0.00% | 8.57% | -8.57% | 84th top |
| Provision / NCO | 50.00% | 285.97% | -235.97% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.38% | 127.07% | -105.69% | 49th below |
| Tier 1 Ratio | 21.38% | 127.08% | -105.70% | 49th below |
| Total Capital Ratio | 21.90% | 127.97% | -106.07% | 47th below |
| Leverage Ratio | 8.45% | 22.11% | -13.66% | 7th bottom |
| Equity / Assets | 8.04% | 20.75% | -12.71% | 9th bottom |
| TCE / Tangible Assets | 8.04% | 20.50% | -12.46% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.15% | 74.30% | -25.15% | 73rd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.25% | 88.30% | +1.95% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.59% | 3.83% | -4.42% | 28th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.64% | 6.85% | -2.21% | 58th above |
| Deposit Growth (Y/Y) | -1.02% | 2.98% | -4.00% | 29th below |
See North County Savings Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock North County Savings 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 County Savings Bank profile, how to read a UBPR, or how this data updates.