Community Bank Mankato: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank Mankato of Vernon Center, MN against its peer group of 2672 similarly-sized US banks as of Q3 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 | 1.20% | 1.25% | -0.05% | 25th below |
| ROAE | 12.64% | 13.24% | -0.60% | 38th below |
| Net Interest Margin | 3.69% | 3.95% | -0.26% | 30th below |
| Efficiency Ratio | 50.39% | 61.22% | -10.83% | 72nd above |
| PPNR / Avg Assets | 1.91% | — | — | 56th above |
| Yield on Earning Assets | 5.73% | 5.68% | +0.05% | 64th above |
| Cost of Funds | 2.22% | 1.88% | +0.34% | 16th bottom |
| Net Interest Spread | 3.07% | — | — | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.99% | 0.94% | +1.05% | 15th bottom |
| NPA / Total Assets | 1.73% | — | — | 8th bottom |
| NCO / Avg Loans | 0.44% | 0.16% | +0.28% | 5th bottom |
| ACL / Total Loans | 0.95% | — | — | 15th bottom |
| ACL / NPLs (Coverage) | 47.80% | — | — | 10th bottom |
| Texas Ratio | 16.48% | 7.40% | +9.08% | 10th bottom |
| Provision / NCO | 47.91% | — | — | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.75% | 11.73% | -1.98% | 13th bottom |
| Equity / Assets | 9.68% | 10.96% | -1.28% | 41st below |
| TCE / Tangible Assets | 9.68% | — | — | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.08% | 80.60% | +17.48% | 7th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.89% | 86.92% | +0.97% | 34th below |
| Wholesale Funding Ratio | 1.12% | — | — | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.90% | — | — | 10th bottom |
| Loan Growth (Y/Y) | -3.64% | — | — | 10th bottom |
| Deposit Growth (Y/Y) | -0.56% | — | — | 18th bottom |
See Community Bank Mankato's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank Mankato, 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 Community Bank Mankato profile, how to read a UBPR, or how this data updates.