Prairie Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Prairie Community Bank of Marengo, 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 | 0.74% | 1.35% | -0.61% | 21st bottom |
| ROAE | 9.25% | 12.06% | -2.81% | 32nd below |
| Net Interest Margin | 4.09% | 3.90% | +0.19% | 58th above |
| Efficiency Ratio | 77.18% | 63.14% | +14.04% | 17th bottom |
| PPNR / Avg Assets | 0.99% | 1.64% | -0.65% | 20th bottom |
| Yield on Earning Assets | 5.37% | 5.65% | -0.28% | 38th below |
| Cost of Funds | 1.34% | 1.85% | -0.51% | 78th top |
| Net Interest Spread | 3.53% | 3.35% | +0.18% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.90% | 0.92% | +1.98% | 7th bottom |
| NPA / Total Assets | 2.28% | 0.67% | +1.61% | 6th bottom |
| NCO / Avg Loans | -0.06% | 0.15% | -0.21% | 95th top |
| ACL / Total Loans | 1.52% | 1.28% | +0.24% | 80th top |
| ACL / NPLs (Coverage) | 52.45% | 1645.82% | -1593.37% | 12th bottom |
| Texas Ratio | 24.57% | 7.14% | +17.43% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.01% | 20.84% | -8.83% | 18th bottom |
| Tier 1 Ratio | 12.01% | 20.87% | -8.86% | 17th bottom |
| Total Capital Ratio | 13.26% | 21.94% | -8.68% | 19th bottom |
| Leverage Ratio | 8.75% | 12.47% | -3.72% | 9th bottom |
| Equity / Assets | 8.17% | 11.67% | -3.50% | 15th bottom |
| TCE / Tangible Assets | 8.17% | 11.40% | -3.23% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 78.66% | 78.64% | +0.02% | 54th above |
| Core Deposit Ratio | 93.54% | 87.09% | +6.45% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.70% | 6.48% | -5.78% | 24th bottom |
| Loan Growth (Y/Y) | 8.12% | 7.64% | +0.48% | 66th above |
| Deposit Growth (Y/Y) | 1.35% | 6.02% | -4.67% | 31st below |
See Prairie Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Prairie Community Bank, 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 Prairie Community Bank profile, how to read a UBPR, or how this data updates.