First National Bank Minnesota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank Minnesota of Saint Peter, 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 Behind the peer average, ahead of the median peer. | 1.32% | 1.34% | -0.02% | 53rd above |
| ROAE | 13.33% | 13.31% | +0.02% | 56th above |
| Net Interest Margin | 4.23% | 3.93% | +0.30% | 66th above |
| Efficiency Ratio | 65.85% | 61.14% | +4.71% | 37th below |
| PPNR / Avg Assets | 1.44% | 1.68% | -0.24% | 41st below |
| Yield on Earning Assets | 5.49% | 5.67% | -0.18% | 45th below |
| Cost of Funds | 1.34% | 1.88% | -0.54% | 78th top |
| Net Interest Spread | 3.82% | 3.32% | +0.50% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.12% | 0.94% | +0.18% | 26th below |
| NPA / Total Assets | 0.84% | 0.70% | +0.14% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.16% | -0.02% | 16th bottom |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 61st above |
| ACL / NPLs (Coverage) | 115.08% | 1539.33% | -1424.25% | 32nd below |
| Texas Ratio | 8.55% | 7.33% | +1.22% | 26th below |
| Provision / NCO | 0.00% | 1396.39% | -1396.39% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.18% | 19.51% | -6.33% | 31st below |
| Tier 1 Ratio | 13.18% | 19.54% | -6.36% | 30th below |
| Total Capital Ratio | 14.43% | 20.63% | -6.20% | 31st below |
| Leverage Ratio | 9.81% | 12.14% | -2.33% | 27th below |
| Equity / Assets | 9.89% | 11.37% | -1.48% | 43rd below |
| TCE / Tangible Assets | 8.95% | 11.09% | -2.14% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.09% | 80.63% | +7.46% | 32nd below |
| Core Deposit Ratio | 95.28% | 86.86% | +8.42% | 85th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.34% | 5.03% | -0.69% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.37% | 6.85% | -6.48% | 22nd bottom |
| Loan Growth (Y/Y) | 0.59% | 7.91% | -7.32% | 25th below |
| Deposit Growth (Y/Y) | 2.01% | 6.29% | -4.28% | 35th below |
See First National Bank Minnesota's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank Minnesota, 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 National Bank Minnesota profile, how to read a UBPR, or how this data updates.