State Bank of Bement: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Bement of Bement, 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 | 0.64% | 1.35% | -0.71% | 17th bottom |
| ROAE | 6.45% | 13.32% | -6.87% | 19th bottom |
| Net Interest Margin | 3.97% | 3.93% | +0.04% | 52nd above |
| Efficiency Ratio | 70.91% | 61.13% | +9.78% | 26th below |
| PPNR / Avg Assets | 1.19% | 1.68% | -0.49% | 28th below |
| Yield on Earning Assets | 5.31% | 5.67% | -0.36% | 36th below |
| Cost of Funds | 0.94% | 1.88% | -0.94% | 92nd top |
| Net Interest Spread | 2.43% | 3.32% | -0.89% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.94% | -0.77% | 66th above |
| NPA / Total Assets | 0.10% | 0.70% | -0.60% | 70th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 84th top |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 42nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 652.11% | 1546.30% | -894.19% | 76th top |
| Texas Ratio | 3.06% | 7.34% | -4.28% | 53rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 812.90% | 1395.03% | -582.13% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.19% | 12.14% | -1.95% | 35th below |
| Equity / Assets | 10.03% | 11.37% | -1.34% | 45th below |
| TCE / Tangible Assets | 9.78% | 11.08% | -1.30% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.90% | 80.66% | -14.76% | 76th top |
| Core Deposit Ratio | 85.82% | 86.85% | -1.03% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.13% | 6.84% | +1.29% | 76th top |
| Loan Growth (Y/Y) | 2.45% | 7.92% | -5.47% | 33rd below |
| Deposit Growth (Y/Y) | 8.19% | 6.29% | +1.90% | 77th top |
See State Bank of Bement's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Bement, 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 State Bank of Bement profile, how to read a UBPR, or how this data updates.