Stillman Banccorp, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Stillman Banccorp, N.A. of Stillman Valley, IL against its peer group of 2757 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 | 0.78% | 1.25% | -0.47% | 21st bottom |
| ROAE | 10.40% | 12.22% | -1.82% | 37th below |
| Net Interest Margin | 2.85% | 3.95% | -1.10% | 6th bottom |
| Efficiency Ratio | 71.96% | 63.71% | +8.25% | 23rd bottom |
| PPNR / Avg Assets | 0.91% | — | — | 17th bottom |
| Yield on Earning Assets | 4.30% | 5.67% | -1.37% | 5th bottom |
| Cost of Funds | 1.57% | 1.87% | -0.30% | 65th above |
| Net Interest Spread | 2.44% | — | — | 11th 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. | 0.65% | 0.88% | -0.23% | 39th below |
| NPA / Total Assets | 0.31% | — | — | 51st above |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 93rd top |
| ACL / Total Loans | 0.95% | — | — | 21st bottom |
| ACL / NPLs (Coverage) | 145.89% | — | — | 38th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.77% | 5.96% | -2.19% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.29% | 17.18% | +1.11% | 70th above |
| Tier 1 Ratio | 18.29% | 17.21% | +1.08% | 70th above |
| Total Capital Ratio | 19.22% | — | — | 69th above |
| Leverage Ratio | 9.20% | 11.75% | -2.55% | 15th bottom |
| Equity / Assets | 7.70% | 10.98% | -3.28% | 10th bottom |
| TCE / Tangible Assets | 7.70% | — | — | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.10% | 80.44% | -27.34% | 90th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.43% | 86.95% | +1.48% | 46th below |
| Wholesale Funding Ratio | 3.21% | — | — | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.29% | — | — | 57th above |
| Loan Growth (Y/Y) | 18.05% | — | — | 90th top |
| Deposit Growth (Y/Y) | 4.40% | — | — | 52nd above |
See Stillman Banccorp, N.A.'s peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Stillman Banccorp, N.A., 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 Stillman Banccorp, N.A. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Stillman Banccorp, N.A. peer analysis.