Peoples Bank of Macon: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank of Macon of Macon, 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 | 0.28% | 3.14% | -2.86% | 19th bottom |
| ROAE | 2.08% | 10.42% | -8.34% | 20th bottom |
| Net Interest Margin | 3.00% | 3.93% | -0.93% | 14th bottom |
| Efficiency Ratio | 88.17% | 76.29% | +11.88% | 19th bottom |
| PPNR / Avg Assets | 0.32% | 1.40% | -1.08% | 17th bottom |
| Yield on Earning Assets | 3.91% | 5.35% | -1.44% | 10th bottom |
| Cost of Funds | 1.00% | 1.71% | -0.71% | 80th top |
| Net Interest Spread | 2.59% | 3.31% | -0.72% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.18% | 1.49% | -0.31% | 44th below |
| Texas Ratio | 0.00% | 8.25% | -8.25% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.57% | 17.61% | -4.04% | 54th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.57% | 16.43% | -2.86% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.57% | 16.18% | -2.61% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 33.11% | 72.85% | -39.74% | 89th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.57% | 88.21% | +0.36% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.30% | 4.31% | -7.61% | 17th bottom |
| Loan Growth (Y/Y) | -2.05% | 6.73% | -8.78% | 32nd below |
| Deposit Growth (Y/Y) | -2.73% | 3.77% | -6.50% | 22nd bottom |
See Peoples Bank of Macon's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Bank of Macon, 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 Peoples Bank of Macon profile, how to read a UBPR, or how this data updates.