The First National Bank of Coleraine: 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 Coleraine of Coleraine, 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 | 0.83% | 1.34% | -0.51% | 25th below |
| ROAE | 13.82% | 13.31% | +0.51% | 59th above |
| Net Interest Margin | 2.91% | 3.93% | -1.02% | 8th bottom |
| Efficiency Ratio | 62.95% | 61.14% | +1.81% | 45th below |
| PPNR / Avg Assets | 1.04% | 1.68% | -0.64% | 22nd bottom |
| Yield on Earning Assets | 4.34% | 5.67% | -1.33% | 6th bottom |
| Cost of Funds | 1.48% | 1.88% | -0.40% | 71st above |
| Net Interest Spread | 2.61% | 3.32% | -0.71% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans | 0.95% | 1.28% | -0.33% | 20th bottom |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | 0.00% | 1395.72% | -1395.72% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.70% | 19.50% | -0.80% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.70% | 19.54% | -0.84% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.61% | 20.62% | -1.01% | 72nd above |
| Leverage Ratio | 7.63% | 12.14% | -4.51% | 1st bottom |
| Equity / Assets | 5.90% | 11.37% | -5.47% | 2nd bottom |
| TCE / Tangible Assets | 5.90% | 11.09% | -5.19% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 39.81% | 80.64% | -40.83% | 96th top |
| Core Deposit Ratio | 85.21% | 86.86% | -1.65% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.73% | 6.85% | +0.88% | 74th above |
| Loan Growth (Y/Y) | 0.00% | 7.90% | -7.90% | 23rd bottom |
| Deposit Growth (Y/Y) | 7.31% | 6.29% | +1.02% | 72nd above |
See The First National Bank of Coleraine'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 Coleraine, 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 Coleraine profile, how to read a UBPR, or how this data updates.