Old Plank Trail Community Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Old Plank Trail Community Bank, N.A. of New Lenox, IL against its peer group of 931 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 | 1.11% | 1.44% | -0.33% | 37th below |
| ROAE | 13.19% | 12.50% | +0.69% | 57th above |
| Net Interest Margin | 3.13% | 3.84% | -0.71% | 19th bottom |
| Efficiency Ratio | 47.59% | 58.88% | -11.29% | 81st top |
| PPNR / Avg Assets | 1.72% | 1.78% | -0.06% | 49th below |
| Yield on Earning Assets | 5.17% | 5.71% | -0.54% | 28th below |
| Cost of Funds | 2.20% | 2.03% | +0.17% | 37th below |
| Net Interest Spread | 2.59% | 3.18% | -0.59% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.96% | -0.71% | 77th top |
| NPA / Total Assets | 0.18% | 0.75% | -0.57% | 78th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.31% | -0.16% | 22nd bottom |
| ACL / Total Loans | 0.62% | 1.25% | -0.63% | 6th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 244.48% | 699.34% | -454.86% | 63rd above |
| Texas Ratio | 2.51% | 7.17% | -4.66% | 72nd above |
| Provision / NCO | 87.73% | 815.49% | -727.76% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.81% | 17.42% | -6.61% | 7th bottom |
| Tier 1 Ratio | 10.81% | 17.45% | -6.64% | 7th bottom |
| Total Capital Ratio | 11.46% | 18.51% | -7.05% | 4th bottom |
| Leverage Ratio | 8.82% | 11.60% | -2.78% | 8th bottom |
| Equity / Assets | 8.34% | 11.33% | -2.99% | 10th bottom |
| TCE / Tangible Assets | 7.93% | 10.65% | -2.72% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.28% | 86.36% | -6.08% | 70th above |
| Core Deposit Ratio | 80.85% | 85.56% | -4.71% | 22nd bottom |
| Uninsured Deposit Ratio | 26.71% | 32.72% | -6.01% | 65th above |
| Wholesale Funding Ratio | 2.90% | 5.46% | -2.56% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.69% | 10.45% | +2.24% | 83rd top |
| Loan Growth (Y/Y) | 9.22% | 7.99% | +1.23% | 71st above |
| Deposit Growth (Y/Y) | 12.42% | 7.97% | +4.45% | 82nd top |
See Old Plank Trail Community Bank, N.A.'s peers by name
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Unlock Old Plank Trail Community Bank, N.A., 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 Old Plank Trail Community Bank, N.A. profile, how to read a UBPR, or how this data updates.