State Bank of Industry: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Industry of Industry, IL against its peer group of 506 similarly-sized US banks as of Q3 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 | 1.48% | 0.80% | +0.68% | 69th above |
| ROAE | 12.04% | 4.56% | +7.48% | 78th top |
| Net Interest Margin | 3.43% | 3.96% | -0.53% | 20th bottom |
| Efficiency Ratio | 54.13% | 76.29% | -22.16% | 69th above |
| PPNR / Avg Assets | 1.48% | — | — | 53rd above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.26% | 5.45% | -0.19% | 62nd above |
| Cost of Funds | 2.11% | 1.72% | +0.39% | 16th bottom |
| Net Interest Spread | 2.87% | — | — | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.25% | 1.41% | -1.16% | 28th below |
| NPA / Total Assets | 0.15% | — | — | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.10% | -0.10% | 47th below |
| ACL / Total Loans | 1.25% | — | — | 47th below |
| ACL / NPLs (Coverage) | 494.90% | — | — | 47th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.92% | 8.94% | -5.02% | 22nd bottom |
| Provision / NCO | 61.11% | — | — | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.44% | 14.22% | +0.22% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.27% | 13.16% | -0.89% | 62nd above |
| TCE / Tangible Assets | 12.27% | — | — | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 68.23% | 69.24% | -1.01% | 47th below |
| Core Deposit Ratio | 83.70% | 88.77% | -5.07% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.83% | — | — | 75th top |
| Loan Growth (Y/Y) | 4.66% | — | — | 62nd above |
| Deposit Growth (Y/Y) | 5.63% | — | — | 75th top |
See State Bank of Industry's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Industry, 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 Industry profile, how to read a UBPR, or how this data updates.