The State Bank of Geneva: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The State Bank of Geneva of Geneva, 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 | 0.58% | 1.35% | -0.77% | 15th bottom |
| ROAE | 5.51% | 12.06% | -6.55% | 16th bottom |
| Net Interest Margin | 3.42% | 3.90% | -0.48% | 25th below |
| Efficiency Ratio | 86.72% | 63.14% | +23.58% | 8th bottom |
| PPNR / Avg Assets | 0.58% | 1.64% | -1.06% | 10th bottom |
| Yield on Earning Assets | 5.06% | 5.65% | -0.59% | 26th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.85% | -0.03% | 49th below |
| Net Interest Spread | 2.48% | 3.35% | -0.87% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.92% | -0.80% | 71st above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.53% | 0.67% | -0.14% | 37th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.94% | 1.28% | +0.66% | 93rd top |
| ACL / NPLs (Coverage) | 1615.46% | 1645.15% | -29.69% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.50% | 7.15% | -2.65% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.47% | 20.83% | -3.36% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.47% | 20.86% | -3.39% | 66th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.73% | 21.94% | -3.21% | 66th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.81% | 12.46% | -0.65% | 63rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.10% | 11.67% | -0.57% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.10% | 11.40% | -0.30% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.64% | 78.64% | +0.00% | 54th above |
| Core Deposit Ratio | 79.09% | 87.10% | -8.01% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.51% | 6.48% | -9.99% | 7th bottom |
| Loan Growth (Y/Y) | 10.37% | 7.64% | +2.73% | 75th top |
| Deposit Growth (Y/Y) | -1.86% | 6.03% | -7.89% | 14th bottom |
See The State Bank of Geneva's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The State Bank of Geneva, 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 The State Bank of Geneva profile, how to read a UBPR, or how this data updates.