First State Bank of Bigfork: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank of Bigfork of Bigfork, 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 | 0.96% | 1.34% | -0.38% | 31st below |
| ROAE | 8.69% | 13.31% | -4.62% | 29th below |
| Net Interest Margin | 3.95% | 3.93% | +0.02% | 50th above |
| Efficiency Ratio | 67.31% | 61.14% | +6.17% | 34th below |
| PPNR / Avg Assets | 1.32% | 1.68% | -0.36% | 35th below |
| Yield on Earning Assets | 5.95% | 5.67% | +0.28% | 66th above |
| Cost of Funds | 2.20% | 1.88% | +0.32% | 26th below |
| Net Interest Spread | 3.26% | 3.32% | -0.06% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.96% | 0.94% | +5.02% | 2nd bottom |
| NPA / Total Assets | 4.27% | 0.70% | +3.57% | 2nd bottom |
| NCO / Avg Loans | 0.16% | 0.16% | +0.00% | 15th bottom |
| ACL / Total Loans | 1.40% | 1.28% | +0.12% | 72nd above |
| ACL / NPLs (Coverage) | 23.51% | 1538.86% | -1515.35% | 2nd bottom |
| Texas Ratio | 37.28% | 7.33% | +29.95% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.22% | 19.50% | -0.28% | 74th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.22% | 19.54% | -0.32% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.47% | 20.62% | -0.15% | 75th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.33% | 12.14% | -0.81% | 56th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.27% | 11.37% | -0.10% | 63rd above |
| TCE / Tangible Assets | 11.27% | 11.09% | +0.18% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.92% | 80.64% | -0.72% | 51st above |
| Core Deposit Ratio | 93.03% | 86.86% | +6.17% | 74th above |
| Wholesale Funding Ratio | 1.55% | 5.03% | -3.48% | 74th above |
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. | 6.75% | 6.85% | -0.10% | 67th above |
| Loan Growth (Y/Y) | -2.27% | 7.90% | -10.17% | 14th bottom |
| Deposit Growth (Y/Y) | 7.51% | 6.29% | +1.22% | 73rd above |
See First State Bank of Bigfork'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 of Bigfork, 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 of Bigfork profile, how to read a UBPR, or how this data updates.