Town Center Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Town Center Bank of Frankfort, 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 | -0.19% | 1.34% | -1.53% | 4th bottom |
| ROAE | -1.64% | 13.32% | -14.96% | 4th bottom |
| Net Interest Margin | 4.01% | 3.93% | +0.08% | 54th above |
| Efficiency Ratio | 72.06% | 61.14% | +10.92% | 24th bottom |
| PPNR / Avg Assets | 1.19% | 1.68% | -0.49% | 28th below |
| Yield on Earning Assets | 6.11% | 5.67% | +0.44% | 73rd above |
| Cost of Funds | 2.38% | 1.88% | +0.50% | 18th bottom |
| Net Interest Spread | 3.15% | 3.32% | -0.17% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 1.33% | 0.70% | +0.63% | 14th bottom |
| NCO / Avg Loans | 1.82% | 0.16% | +1.66% | 2nd bottom |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 33rd below |
| Texas Ratio | 10.93% | 7.33% | +3.60% | 20th bottom |
| Provision / NCO | 110.79% | 1395.83% | -1285.04% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.24% | 19.50% | -7.26% | 20th bottom |
| Tier 1 Ratio | 12.24% | 19.54% | -7.30% | 19th bottom |
| Total Capital Ratio | 13.16% | 20.62% | -7.46% | 18th bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.38% | 12.14% | -0.76% | 56th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.31% | 11.37% | -0.06% | 64th above |
| TCE / Tangible Assets | 11.31% | 11.09% | +0.22% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.79% | 80.63% | +22.16% | 8th bottom |
| Core Deposit Ratio | 83.86% | 86.86% | -3.00% | 27th below |
| Wholesale Funding Ratio | 11.07% | 5.03% | +6.04% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.22% | 6.85% | +4.37% | 86th top |
| Loan Growth (Y/Y) | 13.25% | 7.90% | +5.35% | 83rd top |
| Deposit Growth (Y/Y) | 14.00% | 6.29% | +7.71% | 90th top |
See Town Center Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Town Center 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 Town Center Bank profile, how to read a UBPR, or how this data updates.