American National Bank of Minnesota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American National Bank of Minnesota of Baxter, 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 Behind the peer average, ahead of the median peer. | 1.32% | 1.35% | -0.03% | 54th above |
| ROAE | 12.60% | 12.05% | +0.55% | 51st above |
| Net Interest Margin | 3.81% | 3.90% | -0.09% | 43rd below |
| Efficiency Ratio | 65.63% | 63.15% | +2.48% | 38th below |
| PPNR / Avg Assets | 1.41% | 1.64% | -0.23% | 39th below |
| Yield on Earning Assets | 6.29% | 5.65% | +0.64% | 80th top |
| Cost of Funds | 2.90% | 1.85% | +1.05% | 7th bottom |
| Net Interest Spread | 3.14% | 3.35% | -0.21% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.00% | 0.92% | +0.08% | 28th below |
| NPA / Total Assets | 0.87% | 0.67% | +0.20% | 24th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 42nd below |
| ACL / Total Loans | 1.34% | 1.28% | +0.06% | 66th above |
| ACL / NPLs (Coverage) | 133.42% | 1645.78% | -1512.36% | 37th below |
| Texas Ratio | 7.37% | 7.15% | +0.22% | 30th below |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.32% | 20.83% | -6.51% | 42nd below |
| Tier 1 Ratio | 14.32% | 20.87% | -6.55% | 42nd below |
| Total Capital Ratio | 15.58% | 21.94% | -6.36% | 43rd below |
| Leverage Ratio | 10.85% | 12.46% | -1.61% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.72% | 11.67% | -0.95% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.72% | 11.40% | -0.68% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 111.22% | 78.63% | +32.59% | 3rd bottom |
| Core Deposit Ratio | 67.45% | 87.10% | -19.65% | 4th bottom |
| Wholesale Funding Ratio | 15.37% | 5.11% | +10.26% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.65% | 6.48% | -9.13% | 9th bottom |
| Loan Growth (Y/Y) | -8.12% | 7.65% | -15.77% | 4th bottom |
| Deposit Growth (Y/Y) | -2.62% | 6.03% | -8.65% | 11th bottom |
See American National Bank of Minnesota's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American National Bank of Minnesota, 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 American National Bank of Minnesota profile, how to read a UBPR, or how this data updates.