Teutopolis State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Teutopolis State Bank of Teutopolis, 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 | 1.92% | 1.25% | +0.67% | 83rd top |
| ROAE | 14.36% | 12.22% | +2.14% | 61st above |
| Net Interest Margin | 3.70% | 3.95% | -0.25% | 36th below |
| Efficiency Ratio | 36.26% | 63.71% | -27.45% | 98th top |
| PPNR / Avg Assets | 2.54% | — | — | 90th top |
| Yield on Earning Assets | 4.74% | 5.67% | -0.93% | 14th bottom |
| Cost of Funds | 1.17% | 1.87% | -0.70% | 86th top |
| Net Interest Spread | 3.16% | — | — | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | -0.11% | 0.15% | -0.26% | 97th top |
| ACL / Total Loans | 1.35% | — | — | 68th above |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.72% | 11.75% | +2.97% | 85th top |
| Equity / Assets | 13.53% | 10.98% | +2.55% | 81st top |
| TCE / Tangible Assets | 13.53% | — | — | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.24% | 80.44% | -21.20% | 85th top |
| Core Deposit Ratio | 93.13% | 86.95% | +6.18% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.25% | — | — | 7th bottom |
| Loan Growth (Y/Y) | 1.50% | — | — | 28th below |
| Deposit Growth (Y/Y) | -5.20% | — | — | 6th bottom |
See Teutopolis State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Teutopolis State Bank, 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 Teutopolis State Bank 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 Teutopolis State Bank peer analysis.