Deerwood Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Deerwood Bank of Waite Park, MN against its peer group of 927 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 | 1.80% | 1.46% | +0.34% | 81st top |
| ROAE | 20.39% | 12.69% | +7.70% | 90th top |
| Net Interest Margin | 4.21% | 3.85% | +0.36% | 79th top |
| Efficiency Ratio | 59.94% | 57.40% | +2.54% | 45th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.76% | 1.88% | -0.12% | 53rd above |
| Yield on Earning Assets | 5.75% | 5.72% | +0.03% | 63rd above |
| Cost of Funds | 1.54% | 2.02% | -0.48% | 79th top |
| Net Interest Spread | 3.72% | 3.18% | +0.54% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.96% | 1.00% | -0.04% | 33rd below |
| NPA / Total Assets | 0.78% | 0.76% | +0.02% | 33rd below |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 87th top |
| ACL / Total Loans | 0.86% | 1.31% | -0.45% | 17th bottom |
| ACL / NPLs (Coverage) | 89.26% | 564.64% | -475.38% | 24th bottom |
| Texas Ratio | 9.27% | 7.39% | +1.88% | 26th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 526.32% | 618.61% | -92.29% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.34% | 17.34% | -6.00% | 15th bottom |
| Tier 1 Ratio | 11.34% | 17.37% | -6.03% | 14th bottom |
| Total Capital Ratio | 12.13% | 18.42% | -6.29% | 11th bottom |
| Leverage Ratio | 8.06% | 11.44% | -3.38% | 3rd bottom |
| Equity / Assets | 8.91% | 11.34% | -2.43% | 20th bottom |
| TCE / Tangible Assets | 7.94% | 10.50% | -2.56% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.28% | 86.96% | -17.68% | 86th top |
| Core Deposit Ratio | 97.70% | 85.55% | +12.15% | 95th top |
| Uninsured Deposit Ratio | 45.21% | 33.12% | +12.09% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 22.65% | 9.67% | +12.98% | 92nd top |
| Loan Growth (Y/Y) | 3.23% | 8.06% | -4.83% | 36th below |
| Deposit Growth (Y/Y) | 23.96% | 7.87% | +16.09% | 93rd top |
See Deerwood Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Deerwood 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 Deerwood Bank profile, how to read a UBPR, or how this data updates.