First State Bank of Le Center: 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 Le Center of Le Center, 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 | 1.91% | 1.34% | +0.57% | 83rd top |
| ROAE | 17.91% | 13.31% | +4.60% | 79th top |
| Net Interest Margin | 4.83% | 3.93% | +0.90% | 89th top |
| Efficiency Ratio | 54.69% | 61.14% | -6.45% | 70th above |
| PPNR / Avg Assets | 2.15% | 1.68% | +0.47% | 78th top |
| Yield on Earning Assets | 5.91% | 5.67% | +0.24% | 64th above |
| Cost of Funds | 1.18% | 1.88% | -0.70% | 86th top |
| Net Interest Spread | 4.41% | 3.32% | +1.09% | 93rd 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. | 0.80% | 0.94% | -0.14% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.56% | 0.70% | -0.14% | 35th below |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 91st top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 53rd above |
| ACL / NPLs (Coverage) | 153.54% | 1538.83% | -1385.29% | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.87% | 7.33% | -2.46% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.68% | 19.50% | -5.82% | 36th below |
| Tier 1 Ratio | 13.68% | 19.54% | -5.86% | 36th below |
| Total Capital Ratio | 14.74% | 20.62% | -5.88% | 35th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.15% | 12.14% | -0.99% | 53rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.94% | 11.37% | -0.43% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.94% | 11.09% | -0.15% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.29% | 80.64% | +3.65% | 42nd below |
| Core Deposit Ratio | 91.87% | 86.86% | +5.01% | 66th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.53% | 5.03% | -0.50% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.04% | 6.85% | -6.81% | 20th bottom |
| Loan Growth (Y/Y) | 9.20% | 7.90% | +1.30% | 71st above |
| Deposit Growth (Y/Y) | -1.06% | 6.29% | -7.35% | 18th bottom |
See First State Bank of Le Center'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 Le Center, 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 Le Center profile, how to read a UBPR, or how this data updates.