State Bank of Whittington: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Whittington of Benton, 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 | 1.23% | 1.34% | -0.11% | 48th below |
| ROAE | 11.96% | 13.31% | -1.35% | 48th below |
| Net Interest Margin | 4.70% | 3.93% | +0.77% | 86th top |
| Efficiency Ratio | 63.74% | 61.14% | +2.60% | 42nd below |
| PPNR / Avg Assets | 1.75% | 1.68% | +0.07% | 59th above |
| Yield on Earning Assets | 5.69% | 5.67% | +0.02% | 54th above |
| Cost of Funds | 0.99% | 1.88% | -0.89% | 91st top |
| Net Interest Spread | 3.98% | 3.32% | +0.66% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.88% | 0.94% | +0.94% | 14th bottom |
| NPA / Total Assets | 1.28% | 0.70% | +0.58% | 15th bottom |
| NCO / Avg Loans | 0.31% | 0.16% | +0.15% | 9th bottom |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 49th below |
| ACL / NPLs (Coverage) | 63.31% | 1538.95% | -1475.64% | 16th bottom |
| Texas Ratio | 26.28% | 7.33% | +18.95% | 4th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 220.41% | 1395.80% | -1175.39% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.98% | 19.50% | -3.52% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.98% | 19.54% | -3.56% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.08% | 20.62% | -3.54% | 57th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.55% | 12.14% | -0.59% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.61% | 11.37% | -0.76% | 54th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.61% | 11.09% | -0.48% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.24% | 80.64% | -4.40% | 59th above |
| Core Deposit Ratio | 96.17% | 86.86% | +9.31% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.59% | 6.85% | -3.26% | 44th below |
| Loan Growth (Y/Y) | 8.28% | 7.90% | +0.38% | 66th above |
| Deposit Growth (Y/Y) | 2.60% | 6.29% | -3.69% | 40th below |
See State Bank of Whittington's peers by name
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Unlock State Bank of Whittington, 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 Whittington profile, how to read a UBPR, or how this data updates.