Drake Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Drake Bank of Saint Paul, MN against its peer group of 2757 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 | 0.60% | 1.25% | -0.65% | 15th bottom |
| ROAE | 9.01% | 12.22% | -3.21% | 29th below |
| Net Interest Margin | 3.45% | 3.95% | -0.50% | 25th below |
| Efficiency Ratio | 77.49% | 63.71% | +13.78% | 15th bottom |
| PPNR / Avg Assets | 0.85% | — | — | 15th bottom |
| Yield on Earning Assets | 5.99% | 5.67% | +0.32% | 68th above |
| Cost of Funds | 2.75% | 1.87% | +0.88% | 9th bottom |
| Net Interest Spread | 2.71% | — | — | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.49% | 0.88% | +3.61% | 3rd bottom |
| NPA / Total Assets | 5.39% | — | — | 1st bottom |
| NCO / Avg Loans | 0.90% | 0.15% | +0.75% | 4th bottom |
| ACL / Total Loans | 3.01% | — | — | 99th top |
| ACL / NPLs (Coverage) | 66.91% | — | — | 16th bottom |
| Texas Ratio | 57.81% | 5.96% | +51.85% | 0th bottom |
| Provision / NCO | 37.08% | — | — | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.80% | 17.18% | -7.38% | 2nd bottom |
| Tier 1 Ratio | 9.80% | 17.21% | -7.41% | 1st bottom |
| Total Capital Ratio | 11.07% | — | — | 2nd bottom |
| Leverage Ratio | 7.27% | 11.75% | -4.48% | 0th bottom |
| Equity / Assets | 6.97% | 10.98% | -4.01% | 6th bottom |
| TCE / Tangible Assets | 6.97% | — | — | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.56% | 80.44% | +11.12% | 25th below |
| Core Deposit Ratio | 74.11% | 86.95% | -12.84% | 8th bottom |
| Wholesale Funding Ratio | 6.92% | — | — | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -9.43% | — | — | 2nd bottom |
| Loan Growth (Y/Y) | -11.15% | — | — | 2nd bottom |
| Deposit Growth (Y/Y) | -9.46% | — | — | 2nd bottom |
See Drake Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Drake 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 Drake Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Drake Bank peer analysis.