Trustbank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Trustbank of Olney, 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 | 2.04% | 1.25% | +0.79% | 86th top |
| ROAE | 20.55% | 12.22% | +8.33% | 88th top |
| Net Interest Margin | 4.27% | 3.95% | +0.32% | 68th above |
| Efficiency Ratio | 58.68% | 63.71% | -5.03% | 57th above |
| PPNR / Avg Assets | 2.36% | — | — | 85th top |
| Yield on Earning Assets | 6.20% | 5.67% | +0.53% | 77th top |
| Cost of Funds | 2.09% | 1.87% | +0.22% | 32nd below |
| Net Interest Spread | 3.63% | — | — | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.73% | 0.88% | -0.15% | 36th below |
| NPA / Total Assets | 1.41% | — | — | 13th bottom |
| NCO / Avg Loans | 0.52% | 0.15% | +0.37% | 6th bottom |
| ACL / Total Loans | 1.14% | — | — | 43rd below |
| ACL / NPLs (Coverage) | 156.09% | — | — | 40th below |
| Texas Ratio | 12.96% | 5.96% | +7.00% | 12th bottom |
| Provision / NCO | 74.78% | — | — | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.81% | 11.75% | -1.94% | 27th below |
| Equity / Assets | 10.04% | 10.98% | -0.94% | 44th below |
| TCE / Tangible Assets | 9.69% | — | — | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.12% | 80.44% | +17.68% | 14th bottom |
| Core Deposit Ratio | 81.31% | 86.95% | -5.64% | 19th bottom |
| Wholesale Funding Ratio | 1.82% | — | — | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.64% | — | — | 72nd above |
| Loan Growth (Y/Y) | 7.00% | — | — | 59th above |
| Deposit Growth (Y/Y) | 9.97% | — | — | 82nd top |
See Trustbank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Trustbank, 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 Trustbank 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 Trustbank peer analysis.