The Citizens National Bank of Park Rapids: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens National Bank of Park Rapids of Park Rapids, MN against its peer group of 2603 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 | 1.75% | 1.34% | +0.41% | 76th top |
| ROAE | 15.16% | 13.32% | +1.84% | 67th above |
| Net Interest Margin | 4.39% | 3.93% | +0.46% | 75th top |
| Efficiency Ratio | 52.33% | 61.13% | -8.80% | 76th top |
| PPNR / Avg Assets | 2.19% | 1.68% | +0.51% | 79th top |
| Yield on Earning Assets | 6.20% | 5.67% | +0.53% | 77th top |
| Cost of Funds | 1.99% | 1.88% | +0.11% | 38th below |
| Net Interest Spread | 3.77% | 3.32% | +0.45% | 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. | 0.44% | 0.94% | -0.50% | 48th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.35% | 0.70% | -0.35% | 47th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 20th bottom |
| ACL / Total Loans | 1.61% | 1.28% | +0.33% | 84th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 364.88% | 1546.62% | -1181.74% | 64th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.83% | 7.34% | -0.51% | 32nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 333.33% | 1395.49% | -1062.16% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.70% | 12.14% | -0.44% | 61st above |
| Equity / Assets | 11.43% | 11.36% | +0.07% | 65th above |
| TCE / Tangible Assets | 11.41% | 11.08% | +0.33% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.86% | 80.66% | +9.20% | 29th below |
| Core Deposit Ratio | 86.08% | 86.85% | -0.77% | 35th below |
| Wholesale Funding Ratio | 0.05% | 5.04% | -4.99% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.06% | 6.84% | -3.78% | 40th below |
| Loan Growth (Y/Y) | 9.46% | 7.92% | +1.54% | 72nd above |
| Deposit Growth (Y/Y) | 2.45% | 6.29% | -3.84% | 38th below |
See The Citizens National Bank of Park Rapids's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens National Bank of Park Rapids, 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 Citizens National Bank of Park Rapids profile, how to read a UBPR, or how this data updates.