The First National Bank of Proctor: 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 Proctor of Proctor, MN against its peer group of 536 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 | 0.53% | 3.14% | -2.61% | 27th below |
| ROAE | 6.65% | 10.42% | -3.77% | 39th below |
| Net Interest Margin | 3.59% | 3.93% | -0.34% | 35th below |
| Efficiency Ratio | 78.22% | 76.30% | +1.92% | 35th below |
| PPNR / Avg Assets | 0.81% | 1.40% | -0.59% | 30th below |
| Yield on Earning Assets | 4.47% | 5.35% | -0.88% | 22nd bottom |
| Cost of Funds | 0.95% | 1.71% | -0.76% | 82nd top |
| Net Interest Spread | 3.12% | 3.31% | -0.19% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.68% | 1.49% | -0.81% | 9th bottom |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 25.38% | 61.93% | -36.55% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 25.38% | 61.94% | -36.56% | 59th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 26.18% | 62.90% | -36.72% | 59th above |
| Leverage Ratio | 8.47% | 17.61% | -9.14% | 7th bottom |
| Equity / Assets | 8.41% | 16.43% | -8.02% | 11th bottom |
| TCE / Tangible Assets | 8.41% | 16.18% | -7.77% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 44.73% | 72.85% | -28.12% | 78th top |
| Core Deposit Ratio | 98.28% | 88.21% | +10.07% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.35% | 4.31% | -3.96% | 35th below |
| Loan Growth (Y/Y) | -4.83% | 6.73% | -11.56% | 20th bottom |
| Deposit Growth (Y/Y) | -0.12% | 3.77% | -3.89% | 35th below |
See The First National Bank of Proctor's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Proctor, 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 Proctor profile, how to read a UBPR, or how this data updates.