The First State Bank of Red Wing: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First State Bank of Red Wing of Red Wing, 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 | 0.02% | 3.14% | -3.12% | 14th bottom |
| ROAE | 0.68% | 10.44% | -9.76% | 15th bottom |
| Net Interest Margin | 2.52% | 3.93% | -1.41% | 7th bottom |
| Efficiency Ratio | 98.47% | 76.25% | +22.22% | 14th bottom |
| PPNR / Avg Assets | 0.02% | 1.40% | -1.38% | 12th bottom |
| Yield on Earning Assets | 3.90% | 5.35% | -1.45% | 10th bottom |
| Cost of Funds | 1.46% | 1.71% | -0.25% | 55th above |
| Net Interest Spread | 2.06% | 3.31% | -1.25% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.07% | 1.34% | -0.27% | 29th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.43% | 0.71% | -0.28% | 35th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.85% | 1.49% | -0.64% | 18th bottom |
| ACL / NPLs (Coverage) | 79.19% | 866.93% | -787.74% | 34th below |
| Texas Ratio | 12.60% | 8.24% | +4.36% | 15th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 21.81% | 62.06% | -40.25% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 21.81% | 62.07% | -40.26% | 50th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 22.60% | 63.04% | -40.44% | 50th above |
| Leverage Ratio | 8.96% | 17.62% | -8.66% | 9th bottom |
| Equity / Assets | 3.58% | 16.45% | -12.87% | 2nd bottom |
| TCE / Tangible Assets | 3.08% | 16.20% | -13.12% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.53% | 72.90% | -31.37% | 83rd top |
| Core Deposit Ratio | 96.17% | 88.20% | +7.97% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.62% | 4.31% | -2.69% | 43rd below |
| Loan Growth (Y/Y) | -2.10% | 6.74% | -8.84% | 32nd below |
| Deposit Growth (Y/Y) | 0.54% | 3.78% | -3.24% | 41st below |
See The First State Bank of Red Wing's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First State Bank of Red Wing, 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 State Bank of Red Wing profile, how to read a UBPR, or how this data updates.