Villa Grove State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Villa Grove State Bank of Villa Grove, IL against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.84% | 3.14% | -1.30% | 79th top |
| ROAE | 15.15% | 10.41% | +4.74% | 81st top |
| Net Interest Margin | 3.98% | 3.93% | +0.05% | 56th above |
| Efficiency Ratio | 52.34% | 76.36% | -24.02% | 84th top |
| PPNR / Avg Assets | 1.92% | 1.40% | +0.52% | 76th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.24% | 5.35% | -0.11% | 51st above |
| Cost of Funds | 1.42% | 1.71% | -0.29% | 57th above |
| Net Interest Spread | 3.27% | 3.31% | -0.04% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.57% | 1.49% | +0.08% | 71st above |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.22% | 17.62% | -5.40% | 40th below |
| Equity / Assets | 12.52% | 16.43% | -3.91% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.52% | 16.18% | -3.66% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.50% | 72.82% | +1.68% | 39th below |
| Core Deposit Ratio | 99.64% | 88.19% | +11.45% | 93rd top |
| Wholesale Funding Ratio | 0.19% | 5.31% | -5.12% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.82% | 4.31% | -1.49% | 51st above |
| Loan Growth (Y/Y) | -1.96% | 6.74% | -8.70% | 32nd below |
| Deposit Growth (Y/Y) | 4.91% | 3.77% | +1.14% | 65th above |
See Villa Grove State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Villa Grove 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 Villa Grove State Bank profile, how to read a UBPR, or how this data updates.