First Bank Elk River: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank Elk River of Elk River, 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 | 0.66% | 1.25% | -0.59% | 17th bottom |
| ROAE | 7.93% | 12.22% | -4.29% | 24th bottom |
| Net Interest Margin | 3.47% | 3.95% | -0.48% | 25th below |
| Efficiency Ratio | 75.12% | 63.71% | +11.41% | 18th bottom |
| PPNR / Avg Assets | 0.92% | — | — | 17th bottom |
| Yield on Earning Assets | 4.87% | 5.67% | -0.80% | 18th bottom |
| Cost of Funds | 1.50% | 1.87% | -0.37% | 69th above |
| Net Interest Spread | 2.90% | — | — | 28th 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. | 0.53% | 0.88% | -0.35% | 45th below |
| NPA / Total Assets | 0.39% | — | — | 44th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 79th top |
| ACL / Total Loans | 0.95% | — | — | 20th bottom |
| ACL / NPLs (Coverage) | 179.38% | — | — | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.29% | 5.96% | -1.67% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.68% | 11.75% | -1.07% | 44th below |
| Equity / Assets | 8.44% | 10.98% | -2.54% | 19th bottom |
| TCE / Tangible Assets | 8.44% | — | — | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.80% | 80.44% | +21.36% | 9th bottom |
| Core Deposit Ratio | 85.99% | 86.95% | -0.96% | 35th below |
| Wholesale Funding Ratio | 16.49% | — | — | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.97% | — | — | 32nd below |
| Loan Growth (Y/Y) | 3.27% | — | — | 37th below |
| Deposit Growth (Y/Y) | -1.04% | — | — | 18th bottom |
See First Bank Elk River's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank Elk River, 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 Elk River 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 First Bank Elk River peer analysis.