The First National Bank of Cokato: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Cokato of Cokato, 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 | 1.63% | 1.34% | +0.29% | 70th above |
| ROAE | 23.12% | 13.31% | +9.81% | 93rd top |
| Net Interest Margin | 3.81% | 3.93% | -0.12% | 43rd below |
| Efficiency Ratio | 54.75% | 61.14% | -6.39% | 70th above |
| PPNR / Avg Assets | 1.95% | 1.68% | +0.27% | 70th above |
| Yield on Earning Assets | 5.54% | 5.67% | -0.13% | 47th below |
| Cost of Funds | 1.89% | 1.88% | +0.01% | 44th below |
| Net Interest Spread | 2.96% | 3.32% | -0.36% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.94% | -0.69% | 61st above |
| NPA / Total Assets | 0.17% | 0.70% | -0.53% | 62nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 23rd bottom |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 67th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 540.00% | 1538.82% | -998.82% | 72nd above |
| Texas Ratio | 2.14% | 7.33% | -5.19% | 62nd above |
| Provision / NCO | 1090.91% | 1395.55% | -304.64% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.34% | 19.50% | -6.16% | 32nd below |
| Tier 1 Ratio | 13.34% | 19.54% | -6.20% | 32nd below |
| Total Capital Ratio | 14.59% | 20.62% | -6.03% | 33rd below |
| Leverage Ratio | 8.54% | 12.14% | -3.60% | 7th bottom |
| Equity / Assets | 7.03% | 11.37% | -4.34% | 7th bottom |
| TCE / Tangible Assets | 7.03% | 11.09% | -4.06% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.57% | 80.64% | -7.07% | 64th above |
| Core Deposit Ratio | 96.27% | 86.86% | +9.41% | 90th top |
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. | 5.41% | 6.85% | -1.44% | 58th above |
| Loan Growth (Y/Y) | 4.74% | 7.90% | -3.16% | 46th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.57% | 6.29% | -1.72% | 54th above |
See The First National Bank of Cokato's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Cokato, 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 The First National Bank of Cokato profile, how to read a UBPR, or how this data updates.