Peoples Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank & Trust of Pana, 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 | 2.42% | 1.35% | +1.07% | 94th top |
| ROAE | 23.67% | 12.05% | +11.62% | 94th top |
| Net Interest Margin | 5.53% | 3.90% | +1.63% | 97th top |
| Efficiency Ratio | 42.13% | 63.16% | -21.03% | 93rd top |
| PPNR / Avg Assets | 3.25% | 1.64% | +1.61% | 97th top |
| Yield on Earning Assets | 6.66% | 5.65% | +1.01% | 90th top |
| Cost of Funds | 1.20% | 1.85% | -0.65% | 85th top |
| Net Interest Spread | 5.08% | 3.35% | +1.73% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.10% | 0.92% | +0.18% | 26th below |
| NPA / Total Assets | 0.71% | 0.67% | +0.04% | 29th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 85th top |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 21st bottom |
| ACL / NPLs (Coverage) | 86.89% | 1645.80% | -1558.91% | 23rd bottom |
| Texas Ratio | 9.80% | 7.15% | +2.65% | 23rd bottom |
| Provision / NCO | 1226.32% | 1189.18% | +37.14% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.48% | 20.83% | -4.35% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.48% | 20.86% | -4.38% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.52% | 21.94% | -4.42% | 60th above |
| Leverage Ratio | 10.73% | 12.46% | -1.73% | 45th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.65% | 11.67% | -1.02% | 55th above |
| TCE / Tangible Assets | 9.85% | 11.40% | -1.55% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.94% | 78.64% | +2.30% | 49th below |
| Core Deposit Ratio | 97.43% | 87.09% | +10.34% | 94th top |
| Wholesale Funding Ratio | 9.20% | 5.11% | +4.09% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.05% | 6.47% | +4.58% | 86th top |
| Loan Growth (Y/Y) | 9.08% | 7.64% | +1.44% | 70th above |
| Deposit Growth (Y/Y) | 6.61% | 6.02% | +0.59% | 68th above |
See Peoples Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Bank & Trust, 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 & Trust profile, how to read a UBPR, or how this data updates.