Peoples State Bank of Colfax: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples State Bank of Colfax of Colfax, 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 | 1.79% | 0.82% | +0.97% | 84th top |
| ROAE | 16.13% | 4.81% | +11.32% | 91st top |
| Net Interest Margin | 4.12% | 3.95% | +0.17% | 69th above |
| Efficiency Ratio | 48.74% | 75.77% | -27.03% | 81st top |
| PPNR / Avg Assets | 2.36% | — | — | 88th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.16% | 5.44% | -0.28% | 59th above |
| Cost of Funds | 1.16% | 1.71% | -0.55% | 59th above |
| Net Interest Spread | 3.83% | — | — | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.40% | -1.40% | 78th top |
| NPA / Total Assets | 0.00% | — | — | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.11% | -0.11% | 47th below |
| ACL / Total Loans | 0.58% | — | — | 6th bottom |
| Texas Ratio | 0.00% | 8.94% | -8.94% | 84th top |
| Provision / NCO | 266.67% | — | — | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.72% | 14.21% | -2.49% | 34th below |
| Equity / Assets | 10.70% | 13.16% | -2.46% | 41st below |
| TCE / Tangible Assets | 10.70% | — | — | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.55% | 69.13% | -23.58% | 81st top |
| Core Deposit Ratio | 93.64% | 88.78% | +4.86% | 72nd above |
| Wholesale Funding Ratio | 0.44% | — | — | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.99% | — | — | 62nd above |
| Loan Growth (Y/Y) | -0.11% | — | — | 38th below |
| Deposit Growth (Y/Y) | 3.58% | — | — | 66th above |
See Peoples State Bank of Colfax's peers by name
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Unlock Peoples State Bank of Colfax, 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 State Bank of Colfax profile, how to read a UBPR, or how this data updates.