First Resource Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Resource Bank of Lino Lakes, MN against its peer group of 941 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 | 1.05% | 1.34% | -0.29% | 31st below |
| ROAE | 12.02% | 12.40% | -0.38% | 46th below |
| Net Interest Margin | 3.87% | 3.83% | +0.04% | 60th above |
| Efficiency Ratio | 62.06% | 57.84% | +4.22% | 37th below |
| PPNR / Avg Assets | 1.56% | — | — | 38th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.65% | 5.71% | -0.06% | 57th above |
| Cost of Funds | 2.01% | 2.02% | -0.01% | 50th above |
| Net Interest Spread | 3.22% | — | — | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 1.00% | -0.67% | 71st above |
| NPA / Total Assets | 0.24% | — | — | 71st above |
| NCO / Avg Loans | 1.21% | 0.43% | +0.78% | 3rd bottom |
| ACL / Total Loans | 1.06% | — | — | 37th below |
| ACL / NPLs (Coverage) | 322.68% | — | — | 72nd above |
| Texas Ratio | 0.77% | 5.47% | -4.70% | 86th top |
| Provision / NCO | 29.90% | — | — | 15th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.62% | 14.99% | -3.37% | 18th bottom |
| Tier 1 Ratio | 11.62% | 15.02% | -3.40% | 17th bottom |
| Total Capital Ratio | 12.77% | — | — | 18th bottom |
| Leverage Ratio | 8.34% | 11.11% | -2.77% | 4th bottom |
| Equity / Assets | 9.26% | 11.02% | -1.76% | 27th below |
| TCE / Tangible Assets | 7.98% | — | — | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.40% | 86.99% | +1.41% | 49th below |
| Core Deposit Ratio | 94.57% | 85.57% | +9.00% | 82nd top |
| Uninsured Deposit Ratio | 15.12% | 33.19% | -18.07% | 91st top |
| Wholesale Funding Ratio | 8.03% | — | — | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 47.38% | — | — | 98th top |
| Loan Growth (Y/Y) | 27.47% | — | — | 94th top |
| Deposit Growth (Y/Y) | 48.48% | — | — | 98th top |
See First Resource Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Resource Bank, 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 First Resource Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Resource Bank peer analysis.