Americana Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Americana Community Bank of Sleepy Eye, 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 | 0.53% | 1.35% | -0.82% | 14th bottom |
| ROAE | 4.83% | 12.06% | -7.23% | 14th bottom |
| Net Interest Margin | 4.24% | 3.90% | +0.34% | 67th above |
| Efficiency Ratio | 75.21% | 63.14% | +12.07% | 19th bottom |
| PPNR / Avg Assets | 1.07% | 1.64% | -0.57% | 23rd bottom |
| Yield on Earning Assets | 5.93% | 5.65% | +0.28% | 65th above |
| Cost of Funds | 1.86% | 1.85% | +0.01% | 46th below |
| Net Interest Spread | 3.79% | 3.35% | +0.44% | 74th 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. | 0.60% | 0.92% | -0.32% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.47% | 0.67% | -0.20% | 40th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 41st below |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 19th bottom |
| ACL / NPLs (Coverage) | 157.53% | 1645.77% | -1488.24% | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.09% | 7.15% | -3.06% | 46th below |
| Provision / NCO | 1550.00% | 1188.98% | +361.02% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.66% | 12.46% | -0.80% | 61st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.81% | 11.67% | -0.86% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.81% | 11.40% | -0.59% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.47% | 78.64% | +14.83% | 22nd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.25% | 87.09% | +1.16% | 45th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.68% | 5.11% | -1.43% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.46% | 6.48% | -6.94% | 17th bottom |
| Loan Growth (Y/Y) | 2.40% | 7.64% | -5.24% | 33rd below |
| Deposit Growth (Y/Y) | 3.69% | 6.02% | -2.33% | 47th below |
See Americana Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Americana Community 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 Americana Community Bank profile, how to read a UBPR, or how this data updates.