The State Bank of Pearl City: 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 Pearl City of Pearl City, IL against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.04% | 3.14% | -2.10% | 50th above |
| ROAE Behind the peer average, ahead of the median peer. | 9.94% | 10.42% | -0.48% | 58th above |
| Net Interest Margin | 3.85% | 3.93% | -0.08% | 49th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 71.22% | 76.31% | -5.09% | 47th below |
| PPNR / Avg Assets | 1.04% | 1.40% | -0.36% | 40th below |
| Yield on Earning Assets | 5.02% | 5.35% | -0.33% | 42nd below |
| Cost of Funds | 1.24% | 1.71% | -0.47% | 67th above |
| Net Interest Spread | 3.32% | 3.31% | +0.01% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.69% | 1.34% | -0.65% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.31% | 0.71% | -0.40% | 41st below |
| NCO / Avg Loans | -1.47% | 0.11% | -1.58% | 100th top |
| ACL / Total Loans | 2.38% | 1.48% | +0.90% | 88th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 343.36% | 865.71% | -522.35% | 71st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.76% | 8.26% | -5.50% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.31% | 17.62% | -6.31% | 32nd below |
| Equity / Assets | 10.11% | 16.44% | -6.33% | 27th below |
| TCE / Tangible Assets | 10.11% | 16.19% | -6.08% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.56% | 72.87% | -23.31% | 72nd above |
| Core Deposit Ratio | 94.79% | 88.20% | +6.59% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.80% | 4.31% | -3.51% | 39th below |
| Loan Growth (Y/Y) | 0.82% | 6.73% | -5.91% | 44th below |
| Deposit Growth (Y/Y) | 0.20% | 3.78% | -3.58% | 40th below |
See The State Bank of Pearl City's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The State Bank of Pearl City, 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 Pearl City profile, how to read a UBPR, or how this data updates.