The Bank of Elk River: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Elk River of Elk River, 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 | 0.99% | 1.34% | -0.35% | 33rd below |
| ROAE | 15.09% | 13.31% | +1.78% | 66th above |
| Net Interest Margin | 3.68% | 3.93% | -0.25% | 36th below |
| Efficiency Ratio | 66.03% | 61.14% | +4.89% | 37th below |
| PPNR / Avg Assets | 1.35% | 1.68% | -0.33% | 36th below |
| Yield on Earning Assets | 5.10% | 5.67% | -0.57% | 27th below |
| Cost of Funds | 1.53% | 1.88% | -0.35% | 68th above |
| Net Interest Spread | 3.12% | 3.32% | -0.20% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.15% | 0.94% | +0.21% | 25th below |
| NPA / Total Assets | 0.73% | 0.70% | +0.03% | 29th below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 86th top |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 46th below |
| ACL / NPLs (Coverage) | 101.43% | 1539.77% | -1438.34% | 28th below |
| Texas Ratio | 10.09% | 7.33% | +2.76% | 22nd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 171.65% | 1396.79% | -1225.14% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.64% | 19.51% | -5.87% | 35th below |
| Tier 1 Ratio | 13.64% | 19.54% | -5.90% | 35th below |
| Total Capital Ratio | 14.80% | 20.63% | -5.83% | 35th below |
| Leverage Ratio | 9.14% | 12.14% | -3.00% | 14th bottom |
| Equity / Assets | 6.82% | 11.38% | -4.56% | 6th bottom |
| TCE / Tangible Assets | 6.82% | 11.10% | -4.28% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.21% | 80.64% | -11.43% | 72nd above |
| Core Deposit Ratio | 93.18% | 86.86% | +6.32% | 75th top |
| Wholesale Funding Ratio | 0.70% | 5.04% | -4.34% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.36% | 6.86% | -4.50% | 35th below |
| Loan Growth (Y/Y) | 8.35% | 7.90% | +0.45% | 67th above |
| Deposit Growth (Y/Y) | 0.85% | 6.29% | -5.44% | 28th below |
See The Bank of Elk River's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Elk River, 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 The Bank of Elk River profile, how to read a UBPR, or how this data updates.