Scott State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Scott State Bank of Bethany, IL against its peer group of 2757 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 | 1.11% | 1.25% | -0.14% | 39th below |
| ROAE | 9.68% | 12.22% | -2.54% | 33rd below |
| Net Interest Margin | 3.77% | 3.95% | -0.18% | 40th below |
| Efficiency Ratio | 68.72% | 63.71% | +5.01% | 30th below |
| PPNR / Avg Assets | 1.27% | — | — | 31st below |
| Yield on Earning Assets | 4.72% | 5.67% | -0.95% | 13th bottom |
| Cost of Funds | 1.03% | 1.87% | -0.84% | 90th top |
| Net Interest Spread | 3.32% | — | — | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.88% | -0.64% | 62nd above |
| NPA / Total Assets | 0.14% | — | — | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 40th below |
| ACL / Total Loans | 1.08% | — | — | 35th below |
| ACL / NPLs (Coverage) | 439.93% | — | — | 67th above |
| Texas Ratio | 1.15% | 5.96% | -4.81% | 67th above |
| Provision / NCO | 2500.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.67% | 11.75% | +1.92% | 80th top |
| Equity / Assets | 11.72% | 10.98% | +0.74% | 68th above |
| TCE / Tangible Assets | 11.72% | — | — | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.18% | 80.44% | -14.26% | 76th top |
| Core Deposit Ratio | 91.24% | 86.95% | +4.29% | 62nd above |
| Wholesale Funding Ratio | 0.49% | — | — | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.08% | — | — | 7th bottom |
| Loan Growth (Y/Y) | -1.49% | — | — | 16th bottom |
| Deposit Growth (Y/Y) | 0.89% | — | — | 28th below |
See Scott State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Scott 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 Scott State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Scott State Bank peer analysis.