American State Bank of Grygla: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American State Bank of Grygla of Grygla, MN 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. | 1.79% | 3.14% | -1.35% | 77th top |
| ROAE | 20.36% | 10.40% | +9.96% | 91st top |
| Net Interest Margin | 3.78% | 3.93% | -0.15% | 44th below |
| Efficiency Ratio | 56.14% | 76.35% | -20.21% | 78th top |
| PPNR / Avg Assets | 1.74% | 1.40% | +0.34% | 71st above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.23% | 5.35% | -0.12% | 50th above |
| Cost of Funds | 1.55% | 1.70% | -0.15% | 50th above |
| Net Interest Spread | 3.19% | 3.31% | -0.12% | 43rd 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 | 1.23% | 1.49% | -0.26% | 48th below |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.83% | 17.62% | -6.79% | 27th below |
| Equity / Assets | 9.11% | 16.44% | -7.33% | 18th bottom |
| TCE / Tangible Assets | 9.11% | 16.19% | -7.08% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.16% | 72.86% | -15.70% | 64th above |
| Core Deposit Ratio | 94.56% | 88.20% | +6.36% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.44% | 4.32% | -7.76% | 17th bottom |
| Loan Growth (Y/Y) | -1.11% | 6.74% | -7.85% | 35th below |
| Deposit Growth (Y/Y) | -5.13% | 3.79% | -8.92% | 14th bottom |
See American State Bank of Grygla's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American State Bank of Grygla, 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 State Bank of Grygla profile, how to read a UBPR, or how this data updates.