Center National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Center National Bank of Litchfield, 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 | 1.47% | 1.34% | +0.13% | 61st above |
| ROAE | 15.05% | 13.31% | +1.74% | 66th above |
| Net Interest Margin | 3.88% | 3.93% | -0.05% | 47th below |
| Efficiency Ratio | 63.90% | 61.14% | +2.76% | 42nd below |
| PPNR / Avg Assets | 1.47% | 1.68% | -0.21% | 42nd below |
| Yield on Earning Assets | 4.97% | 5.67% | -0.70% | 22nd bottom |
| Cost of Funds | 1.18% | 1.88% | -0.70% | 85th top |
| Net Interest Spread | 3.41% | 3.32% | +0.09% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 85th top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 86th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 82nd top |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 24th bottom |
| ACL / NPLs (Coverage) | 22342.86% | 1533.33% | +20809.53% | — |
| Texas Ratio | 0.03% | 7.33% | -7.30% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.56% | 19.50% | -2.94% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.56% | 19.54% | -2.98% | 61st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.76% | 20.62% | -2.86% | 62nd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.05% | 12.14% | -1.09% | 52nd above |
| Equity / Assets | 9.80% | 11.37% | -1.57% | 41st below |
| TCE / Tangible Assets | 9.80% | 11.09% | -1.29% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.36% | 80.64% | -7.28% | 65th above |
| Core Deposit Ratio | 90.21% | 86.86% | +3.35% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.47% | 6.85% | -5.38% | 29th below |
| Loan Growth (Y/Y) | 11.30% | 7.90% | +3.40% | 78th top |
| Deposit Growth (Y/Y) | 1.24% | 6.29% | -5.05% | 31st below |
See Center National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Center National 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 Center National Bank profile, how to read a UBPR, or how this data updates.