Bankcherokee: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bankcherokee of Saint Paul, MN against its peer group of 2757 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 | -0.21% | 1.25% | -1.46% | 3rd bottom |
| ROAE | -2.23% | 12.22% | -14.45% | 3rd bottom |
| Net Interest Margin | 4.23% | 3.95% | +0.28% | 66th above |
| Efficiency Ratio | 67.24% | 63.71% | +3.53% | 33rd below |
| PPNR / Avg Assets | 1.52% | — | — | 45th below |
| Yield on Earning Assets | 5.29% | 5.67% | -0.38% | 35th below |
| Cost of Funds | 1.15% | 1.87% | -0.72% | 87th top |
| Net Interest Spread | 3.71% | — | — | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.88% | -0.71% | 68th above |
| NPA / Total Assets | 0.12% | — | — | 68th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.25% | — | — | 56th above |
| ACL / NPLs (Coverage) | 751.75% | — | — | 78th top |
| Texas Ratio | 0.34% | 5.96% | -5.62% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.52% | 17.18% | -1.66% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.52% | 17.21% | -1.69% | 54th above |
| Total Capital Ratio | 16.77% | — | — | 55th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.01% | 11.75% | -0.74% | 50th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.64% | 10.98% | -0.34% | 54th above |
| TCE / Tangible Assets | 10.64% | — | — | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.72% | 80.44% | +7.28% | 34th below |
| Core Deposit Ratio | 97.69% | 86.95% | +10.74% | 95th top |
| Wholesale Funding Ratio | 5.72% | — | — | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.79% | — | — | 30th below |
| Loan Growth (Y/Y) | 9.93% | — | — | 73rd above |
| Deposit Growth (Y/Y) | -0.05% | — | — | 22nd bottom |
See Bankcherokee's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bankcherokee, 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 Bankcherokee profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Bankcherokee peer analysis.