First State Bank Minnesota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank Minnesota of Le Roy, 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 | 2.07% | 1.34% | +0.73% | 87th top |
| ROAE | 18.50% | 13.31% | +5.19% | 82nd top |
| Net Interest Margin | 4.56% | 3.93% | +0.63% | 81st top |
| Efficiency Ratio | 51.09% | 61.14% | -10.05% | 79th top |
| PPNR / Avg Assets | 2.23% | 1.68% | +0.55% | 81st top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.62% | 5.67% | -0.05% | 51st above |
| Cost of Funds | 1.18% | 1.88% | -0.70% | 86th top |
| Net Interest Spread | 3.82% | 3.32% | +0.50% | 76th 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. | 0.64% | 0.94% | -0.30% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.53% | 0.70% | -0.17% | 37th below |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 91st top |
| ACL / Total Loans | 1.43% | 1.28% | +0.15% | 74th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 222.10% | 1538.82% | -1316.72% | 51st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.89% | 7.33% | -0.44% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.43% | 12.14% | -0.71% | 57th above |
| Equity / Assets | 11.37% | 11.37% | +0.00% | 64th above |
| TCE / Tangible Assets | 11.37% | 11.09% | +0.28% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.07% | 80.64% | +13.43% | 20th bottom |
| Core Deposit Ratio | 90.98% | 86.86% | +4.12% | 61st above |
| Wholesale Funding Ratio | 0.95% | 5.03% | -4.08% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.33% | 6.85% | +1.48% | 77th top |
| Loan Growth (Y/Y) | 9.37% | 7.90% | +1.47% | 71st above |
| Deposit Growth (Y/Y) | 8.21% | 6.29% | +1.92% | 77th top |
See First State Bank Minnesota's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank Minnesota, 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 State Bank Minnesota profile, how to read a UBPR, or how this data updates.