The First National Bank of Moose Lake: 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 Moose Lake of Moose Lake, 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 | 2.13% | 1.34% | +0.79% | 88th top |
| ROAE | 15.78% | 13.31% | +2.47% | 70th above |
| Net Interest Margin | 4.61% | 3.93% | +0.68% | 83rd top |
| Efficiency Ratio | 54.56% | 61.14% | -6.58% | 70th above |
| PPNR / Avg Assets | 2.13% | 1.68% | +0.45% | 77th top |
| Yield on Earning Assets | 6.17% | 5.67% | +0.50% | 76th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.88% | -0.05% | 48th below |
| Net Interest Spread | 3.92% | 3.32% | +0.60% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.94% | -0.84% | 73rd above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 74th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 42nd below |
| ACL / NPLs (Coverage) | 1116.33% | 1538.73% | -422.40% | — |
| Texas Ratio | 0.49% | 7.33% | -6.84% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.98% | 12.14% | +3.84% | 90th top |
| Equity / Assets | 14.12% | 11.37% | +2.75% | 85th top |
| TCE / Tangible Assets | 14.12% | 11.09% | +3.03% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.72% | 80.64% | +5.08% | 38th below |
| Core Deposit Ratio | 78.79% | 86.86% | -8.07% | 14th bottom |
| Wholesale Funding Ratio | 1.37% | 5.03% | -3.66% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.60% | 6.85% | -6.25% | 23rd bottom |
| Loan Growth (Y/Y) | -2.37% | 7.90% | -10.27% | 14th bottom |
| Deposit Growth (Y/Y) | 0.06% | 6.29% | -6.23% | 24th bottom |
See The First National Bank of Moose Lake'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 Moose Lake, 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 Moose Lake profile, how to read a UBPR, or how this data updates.