State Bank of Cherry: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Cherry of Cherry, 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 | 0.76% | 1.34% | -0.58% | 21st bottom |
| ROAE | 6.79% | 13.32% | -6.53% | 20th bottom |
| Net Interest Margin | 3.39% | 3.93% | -0.54% | 23rd bottom |
| Efficiency Ratio | 69.35% | 61.14% | +8.21% | 30th below |
| PPNR / Avg Assets | 1.07% | 1.68% | -0.61% | 24th bottom |
| Yield on Earning Assets | 5.17% | 5.67% | -0.50% | 30th below |
| Cost of Funds | 1.91% | 1.88% | +0.03% | 42nd below |
| Net Interest Spread | 2.86% | 3.32% | -0.46% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.50% | 0.94% | -0.44% | 45th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.38% | 0.70% | -0.32% | 45th below |
| NCO / Avg Loans | 1.97% | 0.16% | +1.81% | 1st bottom |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 68th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 272.51% | 1538.86% | -1266.35% | 57th above |
| Texas Ratio | 3.13% | 7.33% | -4.20% | 53rd above |
| Provision / NCO | 26.10% | 1395.77% | -1369.67% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.63% | 12.14% | -0.51% | 60th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.19% | 11.37% | -0.18% | 62nd above |
| TCE / Tangible Assets | 11.19% | 11.09% | +0.10% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.30% | 80.64% | +7.66% | 32nd below |
| Core Deposit Ratio | 85.69% | 86.86% | -1.17% | 33rd below |
| Wholesale Funding Ratio | 11.53% | 5.03% | +6.50% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.87% | 6.85% | -5.98% | 25th below |
| Loan Growth (Y/Y) | -8.00% | 7.90% | -15.90% | 4th bottom |
| Deposit Growth (Y/Y) | -2.05% | 6.29% | -8.34% | 13th bottom |
See State Bank of Cherry's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Cherry, 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 Cherry profile, how to read a UBPR, or how this data updates.