21st Century Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 21st Century Bank of Loretto, MN 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 | 1.93% | 1.34% | +0.59% | 83rd top |
| ROAE | 21.06% | 13.31% | +7.75% | 89th top |
| Net Interest Margin | 3.65% | 3.93% | -0.28% | 34th below |
| Efficiency Ratio | 43.60% | 61.15% | -17.55% | 91st top |
| PPNR / Avg Assets | 2.07% | 1.68% | +0.39% | 75th top |
| Yield on Earning Assets | 5.86% | 5.67% | +0.19% | 62nd above |
| Cost of Funds | 2.47% | 1.88% | +0.59% | 16th bottom |
| Net Interest Spread | 2.92% | 3.32% | -0.40% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.94% | -0.72% | 62nd above |
| NPA / Total Assets | 0.19% | 0.70% | -0.51% | 61st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.16% | -0.05% | 18th bottom |
| ACL / Total Loans | 0.90% | 1.28% | -0.38% | 17th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 410.46% | 1539.74% | -1129.28% | 67th above |
| Texas Ratio | 1.93% | 7.34% | -5.41% | 63rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 161.43% | 1397.12% | -1235.69% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.71% | 19.51% | -4.80% | 46th below |
| Tier 1 Ratio | 14.71% | 19.54% | -4.83% | 46th below |
| Total Capital Ratio | 15.70% | 20.63% | -4.93% | 45th below |
| Leverage Ratio | 10.66% | 12.14% | -1.48% | 44th below |
| Equity / Assets | 9.24% | 11.38% | -2.14% | 31st below |
| TCE / Tangible Assets | 9.24% | 11.09% | -1.85% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.11% | 80.62% | +21.49% | 9th bottom |
| Core Deposit Ratio | 98.83% | 86.85% | +11.98% | 97th top |
| Wholesale Funding Ratio | 16.32% | 5.02% | +11.30% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.20% | 6.85% | +2.35% | 80th top |
| Loan Growth (Y/Y) | 9.47% | 7.90% | +1.57% | 72nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.51% | 6.29% | -0.78% | 61st above |
See 21st Century Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 21st Century 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 21st Century Bank profile, how to read a UBPR, or how this data updates.