The Peoples State Bank of Newton, Illinois: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Peoples State Bank of Newton, Illinois of Newton, IL against its peer group of 2603 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 | 1.44% | 1.34% | +0.10% | 60th above |
| ROAE | 13.67% | 13.32% | +0.35% | 58th above |
| Net Interest Margin | 3.85% | 3.93% | -0.08% | 45th below |
| Efficiency Ratio | 47.50% | 61.14% | -13.64% | 86th top |
| PPNR / Avg Assets | 2.11% | 1.68% | +0.43% | 76th top |
| Yield on Earning Assets | 5.48% | 5.67% | -0.19% | 44th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.85% | 1.88% | -0.03% | 47th below |
| Net Interest Spread | 3.30% | 3.32% | -0.02% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.54% | 0.94% | -0.40% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.37% | 0.70% | -0.33% | 46th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 44th below |
| ACL / Total Loans | 1.36% | 1.28% | +0.08% | 68th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 248.92% | 1547.13% | -1298.21% | 54th above |
| Texas Ratio | 2.93% | 7.34% | -4.41% | 54th above |
| Provision / NCO | 6000.00% | 1389.88% | +4610.12% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.52% | 12.14% | +1.38% | 78th top |
| Equity / Assets | 11.84% | 11.36% | +0.48% | 69th above |
| TCE / Tangible Assets | 11.82% | 11.08% | +0.74% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.70% | 80.66% | +6.04% | 36th below |
| Core Deposit Ratio | 83.86% | 86.85% | -2.99% | 27th below |
| Wholesale Funding Ratio | 9.07% | 5.03% | +4.04% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.13% | 6.84% | -0.71% | 63rd above |
| Loan Growth (Y/Y) | 3.99% | 7.92% | -3.93% | 42nd below |
| Deposit Growth (Y/Y) | 0.54% | 6.29% | -5.75% | 26th below |
See The Peoples State Bank of Newton, Illinois's peers by name
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Unlock The Peoples State Bank of Newton, Illinois, 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 The Peoples State Bank of Newton, Illinois profile, how to read a UBPR, or how this data updates.