Servbank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Servbank, N.A. of Oswego, 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 | 2.28% | 1.46% | +0.82% | 93rd top |
| ROAE | 17.47% | 12.71% | +4.76% | 82nd top |
| Net Interest Margin | 5.03% | 3.85% | +1.18% | 95th top |
| Efficiency Ratio | 66.82% | 57.40% | +9.42% | 27th below |
| PPNR / Avg Assets | 2.91% | 1.88% | +1.03% | 94th top |
| Yield on Earning Assets | 6.38% | 5.72% | +0.66% | 87th top |
| Cost of Funds | 1.61% | 2.02% | -0.41% | 75th top |
| Net Interest Spread | 4.05% | 3.18% | +0.87% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.59% | 1.00% | -0.41% | 52nd above |
| NPA / Total Assets | 0.42% | 0.76% | -0.34% | 55th above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 69th above |
| ACL / Total Loans | 1.03% | 1.31% | -0.28% | 33rd below |
| ACL / NPLs (Coverage) | 173.92% | 543.60% | -369.68% | 49th below |
| Texas Ratio | 3.55% | 7.39% | -3.84% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.81% | 11.44% | +0.37% | 74th above |
| Equity / Assets | 13.00% | 11.33% | +1.67% | 84th top |
| TCE / Tangible Assets | 11.49% | 10.50% | +0.99% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.67% | 86.95% | +0.72% | 51st above |
| Core Deposit Ratio | 92.25% | 85.55% | +6.70% | 70th above |
| Wholesale Funding Ratio | 2.94% | 5.71% | -2.77% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 82.49% | 9.63% | +72.86% | 99th top |
| Loan Growth (Y/Y) | 190.23% | 7.94% | +182.29% | 100th top |
| Deposit Growth (Y/Y) | 123.20% | 7.79% | +115.41% | 100th top |
See Servbank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Servbank, N.A., 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 Servbank, N.A. profile, how to read a UBPR, or how this data updates.