Southern Illinois Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southern Illinois Bank of Johnston City, IL against its peer group of 2672 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 | 1.10% | 1.34% | -0.24% | 39th below |
| ROAE | 7.06% | 13.32% | -6.26% | 21st bottom |
| Net Interest Margin | 3.90% | 3.93% | -0.03% | 48th below |
| Efficiency Ratio | 56.69% | 61.14% | -4.45% | 64th above |
| PPNR / Avg Assets | 1.71% | 1.68% | +0.03% | 57th above |
| Yield on Earning Assets | 4.98% | 5.67% | -0.69% | 23rd bottom |
| Cost of Funds | 1.22% | 1.88% | -0.66% | 84th top |
| Net Interest Spread | 3.25% | 3.32% | -0.07% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.29% | 0.94% | +3.35% | 3rd bottom |
| NPA / Total Assets | 2.72% | 0.70% | +2.02% | 4th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.34% | 1.28% | +0.06% | 66th above |
| ACL / NPLs (Coverage) | 31.15% | 1538.89% | -1507.74% | 4th bottom |
| Texas Ratio | 17.85% | 7.33% | +10.52% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.72% | 12.14% | +5.58% | 94th top |
| Equity / Assets | 15.88% | 11.37% | +4.51% | 91st top |
| TCE / Tangible Assets | 15.88% | 11.09% | +4.79% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.43% | 80.64% | -16.21% | 78th top |
| Core Deposit Ratio | 96.69% | 86.86% | +9.83% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -11.69% | 6.85% | -18.54% | 1st bottom |
| Loan Growth (Y/Y) | -16.68% | 7.91% | -24.59% | 1st bottom |
| Deposit Growth (Y/Y) | -11.28% | 6.29% | -17.57% | 1st bottom |
See Southern Illinois Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southern Illinois 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 Southern Illinois Bank profile, how to read a UBPR, or how this data updates.