Community Resource Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Resource Bank of Northfield, 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 | 1.13% | 1.35% | -0.22% | 40th below |
| ROAE | 10.20% | 12.05% | -1.85% | 37th below |
| Net Interest Margin | 4.21% | 3.90% | +0.31% | 65th above |
| Efficiency Ratio | 57.91% | 63.15% | -5.24% | 60th above |
| PPNR / Avg Assets | 1.84% | 1.64% | +0.20% | 65th above |
| Yield on Earning Assets | 5.65% | 5.65% | +0.00% | 52nd above |
| Cost of Funds | 1.59% | 1.85% | -0.26% | 63rd above |
| Net Interest Spread | 3.68% | 3.35% | +0.33% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.49% | 0.92% | +0.57% | 18th bottom |
| NPA / Total Assets | 1.12% | 0.67% | +0.45% | 18th bottom |
| NCO / Avg Loans | 0.78% | 0.14% | +0.64% | 4th bottom |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 64th above |
| ACL / NPLs (Coverage) | 88.01% | 1645.80% | -1557.79% | 24th bottom |
| Texas Ratio | 10.17% | 7.15% | +3.02% | 22nd bottom |
| Provision / NCO | 57.32% | 1189.89% | -1132.57% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.97% | 20.83% | -6.86% | 39th below |
| Tier 1 Ratio | 13.97% | 20.87% | -6.90% | 38th below |
| Total Capital Ratio | 15.22% | 21.94% | -6.72% | 40th below |
| Leverage Ratio | 10.52% | 12.46% | -1.94% | 42nd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.45% | 11.67% | -0.22% | 65th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.25% | 11.40% | -1.15% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.11% | 78.64% | +9.47% | 32nd below |
| Core Deposit Ratio | 92.34% | 87.09% | +5.25% | 70th above |
| Wholesale Funding Ratio | 3.06% | 5.11% | -2.05% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.03% | 6.48% | -3.45% | 40th below |
| Loan Growth (Y/Y) | 4.34% | 7.64% | -3.30% | 44th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.38% | 6.02% | -1.64% | 53rd above |
See Community Resource Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Resource 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 Community Resource Bank profile, how to read a UBPR, or how this data updates.