Esb Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Esb Bank of Caledonia, 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 | 1.55% | 1.25% | +0.30% | 66th above |
| ROAE | 16.97% | 12.22% | +4.75% | 75th top |
| Net Interest Margin | 3.56% | 3.95% | -0.39% | 29th below |
| Efficiency Ratio | 51.93% | 63.71% | -11.78% | 77th top |
| PPNR / Avg Assets | 1.81% | — | — | 63rd above |
| Yield on Earning Assets | 6.16% | 5.67% | +0.49% | 75th top |
| Cost of Funds | 2.81% | 1.87% | +0.94% | 8th bottom |
| Net Interest Spread | 3.09% | — | — | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.87% | 0.88% | -0.01% | 32nd below |
| NPA / Total Assets | 0.91% | — | — | 22nd bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.09% | — | — | 38th below |
| ACL / NPLs (Coverage) | 126.25% | — | — | 34th below |
| Texas Ratio | 9.23% | 5.96% | +3.27% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.20% | 11.75% | -2.55% | 15th bottom |
| Equity / Assets | 9.08% | 10.98% | -1.90% | 28th below |
| TCE / Tangible Assets | 8.99% | — | — | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.68% | 80.44% | +11.24% | 25th below |
| Core Deposit Ratio | 90.94% | 86.95% | +3.99% | 61st above |
| Wholesale Funding Ratio | 4.45% | — | — | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.08% | — | — | 89th top |
| Loan Growth (Y/Y) | 5.51% | — | — | 50th above |
| Deposit Growth (Y/Y) | 11.98% | — | — | 87th top |
See Esb Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Esb 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 Esb 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 Esb Bank peer analysis.