Sainte Marie State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sainte Marie State Bank of Sainte Marie, IL against its peer group of 536 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 | -2.19% | 3.14% | -5.33% | 4th bottom |
| ROAE | -13.51% | 10.43% | -23.94% | 4th bottom |
| Net Interest Margin | 4.77% | 3.93% | +0.84% | 82nd top |
| Efficiency Ratio | 150.31% | 76.25% | +74.06% | 5th bottom |
| PPNR / Avg Assets | -1.45% | 1.40% | -2.85% | 4th bottom |
| Yield on Earning Assets | 6.45% | 5.35% | +1.10% | 87th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.63% | 1.70% | -0.07% | 47th below |
| Net Interest Spread | 4.32% | 3.31% | +1.01% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.77% | 1.34% | +1.43% | 11th bottom |
| NPA / Total Assets | 1.09% | 0.71% | +0.38% | 18th bottom |
| NCO / Avg Loans | -0.52% | 0.11% | -0.63% | 98th top |
| ACL / Total Loans | 1.60% | 1.49% | +0.11% | 72nd above |
| ACL / NPLs (Coverage) | 57.77% | 864.90% | -807.13% | 22nd bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.77% | 8.25% | -1.48% | 28th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 276.47% | 314.44% | -37.97% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 15.83% | 17.61% | -1.78% | 69th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 15.53% | 16.42% | -0.89% | 69th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 15.53% | 16.17% | -0.64% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 47.29% | 72.84% | -25.55% | 74th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.78% | 88.21% | +2.57% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 25.83% | 4.29% | +21.54% | 97th top |
| Loan Growth (Y/Y) | 59.53% | 6.69% | +52.84% | 98th top |
| Deposit Growth (Y/Y) | 31.42% | 3.75% | +27.67% | 98th top |
See Sainte Marie State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sainte Marie 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 Sainte Marie State Bank profile, how to read a UBPR, or how this data updates.