Prospect Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Prospect Bank of Paris, 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 | 0.34% | 1.35% | -1.01% | 9th bottom |
| ROAE | 5.73% | 13.32% | -7.59% | 16th bottom |
| Net Interest Margin | 2.67% | 3.93% | -1.26% | 5th bottom |
| Efficiency Ratio | 92.04% | 61.12% | +30.92% | 5th bottom |
| PPNR / Avg Assets | 0.24% | 1.68% | -1.44% | 5th bottom |
| Yield on Earning Assets | 4.78% | 5.67% | -0.89% | 16th bottom |
| Cost of Funds | 2.22% | 1.88% | +0.34% | 25th below |
| Net Interest Spread | 2.27% | 3.32% | -1.05% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.55% | 0.94% | -0.39% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.70% | -0.31% | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 48th below |
| ACL / Total Loans | 0.71% | 1.28% | -0.57% | 7th bottom |
| ACL / NPLs (Coverage) | 129.25% | 1539.74% | -1410.49% | 36th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.26% | 7.33% | -1.07% | 34th below |
| Provision / NCO | -307.41% | 1397.29% | -1704.70% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.09% | 19.51% | -7.42% | 19th bottom |
| Tier 1 Ratio | 12.09% | 19.54% | -7.45% | 18th bottom |
| Total Capital Ratio | 12.77% | 20.63% | -7.86% | 14th bottom |
| Leverage Ratio | 8.50% | 12.14% | -3.64% | 6th bottom |
| Equity / Assets | 6.08% | 11.38% | -5.30% | 3rd bottom |
| TCE / Tangible Assets | 5.79% | 11.10% | -5.31% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.43% | 80.64% | -2.21% | 55th above |
| Core Deposit Ratio | 73.21% | 86.87% | -13.66% | 7th bottom |
| Wholesale Funding Ratio | 8.74% | 5.03% | +3.71% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.85% | 6.85% | -3.00% | 46th below |
| Loan Growth (Y/Y) | -0.05% | 7.91% | -7.96% | 22nd bottom |
| Deposit Growth (Y/Y) | 2.37% | 6.29% | -3.92% | 38th below |
See Prospect Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Prospect 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 Prospect Bank profile, how to read a UBPR, or how this data updates.