Citizens Bank Minnesota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank Minnesota of New Ulm, 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 | 0.89% | 1.34% | -0.45% | 27th below |
| ROAE | 9.90% | 13.32% | -3.42% | 35th below |
| Net Interest Margin | 3.17% | 3.93% | -0.76% | 15th bottom |
| Efficiency Ratio | 66.55% | 61.14% | +5.41% | 36th below |
| PPNR / Avg Assets | 1.13% | 1.68% | -0.55% | 26th below |
| Yield on Earning Assets | 4.89% | 5.67% | -0.78% | 19th bottom |
| Cost of Funds | 1.71% | 1.88% | -0.17% | 55th above |
| Net Interest Spread | 2.97% | 3.32% | -0.35% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 79th top |
| ACL / Total Loans | 0.72% | 1.28% | -0.56% | 8th bottom |
| Texas Ratio | 0.17% | 7.34% | -7.17% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.68% | 19.51% | -7.83% | 14th bottom |
| Tier 1 Ratio | 11.68% | 19.54% | -7.86% | 13th bottom |
| Total Capital Ratio | 12.33% | 20.63% | -8.30% | 10th bottom |
| Leverage Ratio | 9.33% | 12.14% | -2.81% | 18th bottom |
| Equity / Assets | 9.04% | 11.38% | -2.34% | 28th below |
| TCE / Tangible Assets | 8.46% | 11.09% | -2.63% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.11% | 80.64% | +0.47% | 49th below |
| Core Deposit Ratio | 94.86% | 86.86% | +8.00% | 83rd top |
| Wholesale Funding Ratio | 6.59% | 5.03% | +1.56% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.71% | 6.85% | -4.14% | 37th below |
| Loan Growth (Y/Y) | 3.36% | 7.91% | -4.55% | 39th below |
| Deposit Growth (Y/Y) | 1.11% | 6.29% | -5.18% | 30th below |
See Citizens Bank Minnesota's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank Minnesota, 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 Citizens Bank Minnesota profile, how to read a UBPR, or how this data updates.