First Bank Blue Earth: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank Blue Earth of Blue Earth, 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 | 0.89% | 1.34% | -0.45% | 27th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.41% | 13.31% | -0.90% | 50th above |
| Net Interest Margin | 2.69% | 3.93% | -1.24% | 5th bottom |
| Efficiency Ratio | 64.61% | 61.14% | +3.47% | 40th below |
| PPNR / Avg Assets | 0.95% | 1.68% | -0.73% | 19th bottom |
| Yield on Earning Assets | 4.90% | 5.67% | -0.77% | 19th bottom |
| Cost of Funds | 2.38% | 1.88% | +0.50% | 18th bottom |
| Net Interest Spread | 2.02% | 3.32% | -1.30% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 55th above |
| NPA / Total Assets | 0.22% | 0.70% | -0.48% | 58th above |
| NCO / Avg Loans | 0.25% | 0.16% | +0.09% | 10th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 382.43% | 1539.07% | -1156.64% | 65th above |
| Texas Ratio | 3.10% | 7.33% | -4.23% | 53rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 340.91% | 1395.99% | -1055.08% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.47% | 12.14% | -2.67% | 21st bottom |
| Equity / Assets | 7.36% | 11.38% | -4.02% | 8th bottom |
| TCE / Tangible Assets | 7.36% | 11.09% | -3.73% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.95% | 80.64% | -5.69% | 61st above |
| Core Deposit Ratio | 92.64% | 86.86% | +5.78% | 71st above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.56% | 5.03% | -0.47% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.49% | 6.85% | -1.36% | 58th above |
| Loan Growth (Y/Y) | 0.96% | 7.90% | -6.94% | 26th below |
| Deposit Growth (Y/Y) | 6.35% | 6.29% | +0.06% | 66th above |
See First Bank Blue Earth's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank Blue Earth, 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 First Bank Blue Earth profile, how to read a UBPR, or how this data updates.