Providence Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Providence Bank & Trust of South Holland, IL against its peer group of 931 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 | 1.65% | 1.44% | +0.21% | 74th above |
| ROAE | 13.53% | 12.50% | +1.03% | 59th above |
| Net Interest Margin | 4.37% | 3.84% | +0.53% | 85th top |
| Efficiency Ratio | 50.44% | 58.88% | -8.44% | 75th top |
| PPNR / Avg Assets | 2.27% | 1.78% | +0.49% | 81st top |
| Yield on Earning Assets | 5.73% | 5.71% | +0.02% | 62nd above |
| Cost of Funds | 1.50% | 2.03% | -0.53% | 80th top |
| Net Interest Spread | 3.69% | 3.18% | +0.51% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.98% | 0.96% | +0.02% | 33rd below |
| NPA / Total Assets | 0.78% | 0.75% | +0.03% | 32nd below |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 87th top |
| ACL / Total Loans | 1.48% | 1.25% | +0.23% | 85th top |
| ACL / NPLs (Coverage) | 151.36% | 699.45% | -548.09% | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.92% | 7.16% | -1.24% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.50% | 11.60% | -0.10% | 70th above |
| Equity / Assets | 12.49% | 11.33% | +1.16% | 81st top |
| TCE / Tangible Assets | 12.21% | 10.65% | +1.56% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.70% | 86.36% | -5.66% | 69th above |
| Core Deposit Ratio | 93.29% | 85.55% | +7.74% | 76th top |
| Uninsured Deposit Ratio | 30.13% | 32.71% | -2.58% | 53rd above |
| Wholesale Funding Ratio | 0.64% | 5.46% | -4.82% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.96% | 10.47% | -9.51% | 21st bottom |
| Loan Growth (Y/Y) | 0.12% | 8.00% | -7.88% | 17th bottom |
| Deposit Growth (Y/Y) | 0.36% | 7.99% | -7.63% | 21st bottom |
See Providence Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Providence 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 Providence Bank & Trust profile, how to read a UBPR, or how this data updates.