Community Bank Owatonna: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank Owatonna of Owatonna, 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 | 0.76% | 1.35% | -0.59% | 21st bottom |
| ROAE | 11.11% | 12.05% | -0.94% | 42nd below |
| Net Interest Margin | 3.72% | 3.90% | -0.18% | 38th below |
| Efficiency Ratio | 68.32% | 63.15% | +5.17% | 32nd below |
| PPNR / Avg Assets | 1.16% | 1.64% | -0.48% | 27th below |
| Yield on Earning Assets | 5.87% | 5.65% | +0.22% | 63rd above |
| Cost of Funds | 2.22% | 1.85% | +0.37% | 25th below |
| Net Interest Spread | 3.14% | 3.35% | -0.21% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.92% | -0.75% | 66th above |
| NPA / Total Assets | 0.12% | 0.67% | -0.55% | 67th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 23rd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 564.57% | 1645.60% | -1081.03% | 73rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.84% | 7.15% | -3.31% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.20% | 20.84% | -9.64% | 10th bottom |
| Tier 1 Ratio | 11.20% | 20.87% | -9.67% | 10th bottom |
| Total Capital Ratio | 12.18% | 21.94% | -9.76% | 9th bottom |
| Leverage Ratio | 7.98% | 12.47% | -4.49% | 2nd bottom |
| Equity / Assets | 7.02% | 11.67% | -4.65% | 7th bottom |
| TCE / Tangible Assets | 7.02% | 11.40% | -4.38% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.32% | 78.64% | -1.32% | 57th above |
| Core Deposit Ratio | 79.90% | 87.10% | -7.20% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.81% | 6.47% | +3.34% | 82nd top |
| Loan Growth (Y/Y) | 12.25% | 7.64% | +4.61% | 80th top |
| Deposit Growth (Y/Y) | 9.59% | 6.02% | +3.57% | 81st top |
See Community Bank Owatonna's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank Owatonna, 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 Owatonna profile, how to read a UBPR, or how this data updates.