Tompkins State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tompkins State Bank of Avon, 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 | 0.93% | 1.25% | -0.32% | 28th below |
| ROAE | 9.91% | 13.17% | -3.26% | 34th below |
| Net Interest Margin | 3.64% | 3.95% | -0.31% | 33rd below |
| Efficiency Ratio | 70.05% | 61.50% | +8.55% | 27th below |
| PPNR / Avg Assets | 0.98% | — | — | 18th bottom |
| Yield on Earning Assets | 5.09% | 5.67% | -0.58% | 26th below |
| Cost of Funds | 1.51% | 1.87% | -0.36% | 69th above |
| Net Interest Spread | 3.16% | — | — | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.93% | -0.90% | 82nd top |
| NPA / Total Assets | 0.31% | — | — | 50th above |
| NCO / Avg Loans | 0.15% | 0.15% | +0.00% | 16th bottom |
| ACL / Total Loans | 0.82% | — | — | 12th bottom |
| ACL / NPLs (Coverage) | 2836.73% | — | — | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.65% | 6.06% | -1.41% | 37th below |
| Provision / NCO | 0.00% | — | — | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.96% | 17.18% | -2.22% | 48th below |
| Tier 1 Ratio | 14.96% | 17.21% | -2.25% | 48th below |
| Total Capital Ratio | 15.74% | — | — | 45th below |
| Leverage Ratio | 9.82% | 11.75% | -1.93% | 27th below |
| Equity / Assets | 9.42% | 10.98% | -1.56% | 34th below |
| TCE / Tangible Assets | 8.33% | — | — | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.79% | 80.44% | -18.65% | 82nd top |
| Core Deposit Ratio | 94.90% | 86.95% | +7.95% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.51% | — | — | 58th above |
| Loan Growth (Y/Y) | 8.55% | — | — | 67th above |
| Deposit Growth (Y/Y) | 5.99% | — | — | 64th above |
See Tompkins State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tompkins 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 Tompkins State Bank profile, how to read a UBPR, or how this data updates.