The First National Bank of Milaca: 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 Milaca of Milaca, MN against its peer group of 2603 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 | 2.01% | 1.34% | +0.67% | 86th top |
| ROAE | 19.79% | 13.32% | +6.47% | 86th top |
| Net Interest Margin | 4.62% | 3.93% | +0.69% | 83rd top |
| Efficiency Ratio | 56.24% | 61.13% | -4.89% | 65th above |
| PPNR / Avg Assets | 2.21% | 1.68% | +0.53% | 80th top |
| Yield on Earning Assets | 5.71% | 5.67% | +0.04% | 55th above |
| Cost of Funds | 1.18% | 1.88% | -0.70% | 86th top |
| Net Interest Spread | 3.97% | 3.32% | +0.65% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.45% | 0.94% | -0.49% | 48th below |
| NPA / Total Assets | 0.30% | 0.70% | -0.40% | 51st above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 81st top |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 28th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 228.33% | 1546.53% | -1318.20% | 52nd above |
| Texas Ratio | 2.83% | 7.34% | -4.51% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.35% | 19.49% | -2.14% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.35% | 19.52% | -2.17% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.48% | 20.61% | -2.13% | 65th above |
| Leverage Ratio | 10.77% | 12.14% | -1.37% | 46th below |
| Equity / Assets | 10.25% | 11.37% | -1.12% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.21% | 11.08% | -0.87% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.24% | 80.66% | -4.42% | 59th above |
| Core Deposit Ratio | 95.98% | 86.85% | +9.13% | 89th top |
| Wholesale Funding Ratio | 0.85% | 5.04% | -4.19% | 84th 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. | 4.51% | 6.84% | -2.33% | 51st above |
| Loan Growth (Y/Y) | 8.77% | 7.92% | +0.85% | 69th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.11% | 6.29% | -1.18% | 58th above |
See The First National Bank of Milaca's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Milaca, 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 Milaca profile, how to read a UBPR, or how this data updates.