Raritan State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Raritan State Bank of Raritan, 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 | 1.13% | 1.34% | -0.21% | 40th below |
| ROAE | 10.20% | 13.32% | -3.12% | 37th below |
| Net Interest Margin | 3.78% | 3.93% | -0.15% | 41st below |
| Efficiency Ratio | 57.76% | 61.13% | -3.37% | 61st above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.59% | 1.68% | -0.09% | 50th above |
| Yield on Earning Assets | 5.75% | 5.67% | +0.08% | 57th above |
| Cost of Funds | 2.11% | 1.88% | +0.23% | 31st below |
| Net Interest Spread | 3.17% | 3.32% | -0.15% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.93% | 0.94% | +3.99% | 3rd bottom |
| NPA / Total Assets | 3.80% | 0.70% | +3.10% | 2nd bottom |
| NCO / Avg Loans | 0.34% | 0.16% | +0.18% | 9th bottom |
| ACL / Total Loans | 0.92% | 1.28% | -0.36% | 18th bottom |
| ACL / NPLs (Coverage) | 18.67% | 1546.53% | -1527.86% | 1st bottom |
| Texas Ratio | 31.54% | 7.33% | +24.21% | 3rd bottom |
| Provision / NCO | 18.42% | 1395.38% | -1376.96% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.78% | 12.14% | -1.36% | 46th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.35% | 11.36% | -0.01% | 64th above |
| TCE / Tangible Assets | 11.35% | 11.08% | +0.27% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.84% | 80.66% | +4.18% | 41st below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.49% | 86.85% | +1.64% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.69% | 6.84% | -5.15% | 31st below |
| Loan Growth (Y/Y) | 9.48% | 7.92% | +1.56% | 72nd above |
| Deposit Growth (Y/Y) | 1.16% | 6.29% | -5.13% | 30th below |
See Raritan State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Raritan State 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 Raritan State Bank profile, how to read a UBPR, or how this data updates.