The First National Bank of Osakis: 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 Osakis of Osakis, MN against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.11% | 3.14% | -2.03% | 53rd above |
| ROAE | 12.01% | 10.30% | +1.71% | 68th above |
| Net Interest Margin | 4.00% | 3.94% | +0.06% | 56th above |
| Efficiency Ratio | 69.81% | 76.33% | -6.52% | 50th above |
| PPNR / Avg Assets | 1.21% | 1.40% | -0.19% | 49th below |
| Yield on Earning Assets | 5.99% | 5.35% | +0.64% | 75th top |
| Cost of Funds | 2.24% | 1.70% | +0.54% | 20th bottom |
| Net Interest Spread | 3.40% | 3.32% | +0.08% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.41% | 1.34% | -0.93% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.34% | 0.71% | -0.37% | 39th below |
| NCO / Avg Loans | -0.04% | 0.10% | -0.14% | 89th top |
| ACL / Total Loans | 0.92% | 1.49% | -0.57% | 22nd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 225.53% | 867.73% | -642.20% | 62nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.60% | 8.27% | -1.67% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.77% | 62.46% | -51.69% | 4th bottom |
| Tier 1 Ratio | 10.77% | 62.47% | -51.70% | 4th bottom |
| Total Capital Ratio | 11.74% | 63.44% | -51.70% | 4th bottom |
| Leverage Ratio | 8.67% | 17.67% | -9.00% | 8th bottom |
| Equity / Assets | 9.25% | 16.47% | -7.22% | 20th bottom |
| TCE / Tangible Assets | 7.88% | 16.21% | -8.33% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.29% | 72.76% | +28.53% | 8th bottom |
| Core Deposit Ratio | 94.58% | 88.26% | +6.32% | 69th above |
| Wholesale Funding Ratio | 7.43% | 5.16% | +2.27% | 24th bottom |
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. | 3.02% | 4.26% | -1.24% | 52nd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.92% | 6.75% | -0.83% | 64th above |
| Deposit Growth (Y/Y) | 6.06% | 3.72% | +2.34% | 70th above |
See The First National Bank of Osakis's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Osakis, 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 Osakis profile, how to read a UBPR, or how this data updates.