The First National Bank of Le Center: 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 Le Center of Lonsdale, 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 | 1.44% | 1.34% | +0.10% | 60th above |
| ROAE | 15.99% | 13.31% | +2.68% | 71st above |
| Net Interest Margin | 3.81% | 3.93% | -0.12% | 43rd below |
| Efficiency Ratio | 55.11% | 61.14% | -6.03% | 69th above |
| PPNR / Avg Assets | 1.75% | 1.68% | +0.07% | 60th above |
| Yield on Earning Assets | 6.09% | 5.67% | +0.42% | 72nd above |
| Cost of Funds | 2.37% | 1.88% | +0.49% | 19th bottom |
| Net Interest Spread | 3.36% | 3.32% | +0.04% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 84th top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 85th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 86th top |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 24th bottom |
| ACL / NPLs (Coverage) | 8573.33% | 1537.34% | +7035.99% | — |
| Texas Ratio | 12.85% | 7.33% | +5.52% | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.50% | 12.14% | -2.64% | 21st bottom |
| Equity / Assets | 9.14% | 11.37% | -2.23% | 29th below |
| TCE / Tangible Assets | 9.14% | 11.09% | -1.95% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.80% | 80.63% | +13.17% | 21st bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.73% | 86.86% | +0.87% | 42nd below |
| Wholesale Funding Ratio | 11.43% | 5.03% | +6.40% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.90% | 6.85% | +1.05% | 74th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.69% | 7.90% | -2.21% | 52nd above |
| Deposit Growth (Y/Y) | 0.91% | 6.29% | -5.38% | 28th below |
See The First National Bank of Le Center'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 Le Center, 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 Le Center profile, how to read a UBPR, or how this data updates.