Prairie State Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Prairie State Bank & Trust of Springfield, 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 | 1.74% | 1.34% | +0.40% | 75th top |
| ROAE | 14.14% | 13.31% | +0.83% | 61st above |
| Net Interest Margin | 4.14% | 3.93% | +0.21% | 61st above |
| Efficiency Ratio | 58.21% | 61.14% | -2.93% | 59th above |
| PPNR / Avg Assets | 1.85% | 1.68% | +0.17% | 65th above |
| Yield on Earning Assets | 5.11% | 5.67% | -0.56% | 27th below |
| Cost of Funds | 1.08% | 1.88% | -0.80% | 88th top |
| Net Interest Spread | 3.70% | 3.32% | +0.38% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.52% | 0.94% | -0.42% | 44th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.34% | 0.70% | -0.36% | 48th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 73rd above |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 32nd below |
| ACL / NPLs (Coverage) | 200.59% | 1539.86% | -1339.27% | 48th below |
| Texas Ratio | 2.71% | 7.34% | -4.63% | 56th above |
| Provision / NCO | 100.00% | 1397.09% | -1297.09% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.39% | 12.14% | +0.25% | 69th above |
| Equity / Assets | 12.06% | 11.37% | +0.69% | 71st above |
| TCE / Tangible Assets | 12.06% | 11.09% | +0.97% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.71% | 80.64% | -4.93% | 60th above |
| Core Deposit Ratio | 92.98% | 86.86% | +6.12% | 74th above |
| Wholesale Funding Ratio | 0.72% | 5.04% | -4.32% | 86th top |
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. | 4.79% | 6.85% | -2.06% | 53rd above |
| Loan Growth (Y/Y) | 0.01% | 7.91% | -7.90% | 23rd bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.53% | 6.29% | -1.76% | 54th above |
See Prairie State Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Prairie State 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 Prairie State Bank & Trust profile, how to read a UBPR, or how this data updates.