The First State Bank of Rosemount: 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 Rosemount of Rosemount, 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 | 0.54% | 1.34% | -0.80% | 14th bottom |
| ROAE Behind the peer average, ahead of the median peer. | 12.33% | 13.31% | -0.98% | 50th above |
| Net Interest Margin | 3.19% | 3.93% | -0.74% | 16th bottom |
| Efficiency Ratio | 74.59% | 61.14% | +13.45% | 20th bottom |
| PPNR / Avg Assets | 0.86% | 1.68% | -0.82% | 16th bottom |
| Yield on Earning Assets | 5.55% | 5.67% | -0.12% | 48th below |
| Cost of Funds | 2.34% | 1.88% | +0.46% | 20th bottom |
| Net Interest Spread | 2.65% | 3.32% | -0.67% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.88% | 0.94% | +1.94% | 7th bottom |
| NPA / Total Assets | 2.03% | 0.70% | +1.33% | 7th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 20th bottom |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) | 40.26% | 1538.90% | -1498.64% | 7th bottom |
| Texas Ratio | 36.69% | 7.33% | +29.36% | 2nd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 211.27% | 1395.74% | -1184.47% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.66% | 19.50% | -9.84% | 1st bottom |
| Tier 1 Ratio | 9.66% | 19.54% | -9.88% | 1st bottom |
| Total Capital Ratio | 10.89% | 20.62% | -9.73% | 2nd bottom |
| Leverage Ratio | 6.28% | 12.14% | -5.86% | 0th bottom |
| Equity / Assets | 4.71% | 11.38% | -6.67% | 1st bottom |
| TCE / Tangible Assets | 4.71% | 11.09% | -6.38% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.27% | 80.64% | -6.37% | 63rd above |
| Core Deposit Ratio | 83.62% | 86.86% | -3.24% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.16% | 6.85% | -5.69% | 27th below |
| Loan Growth (Y/Y) | -0.19% | 7.90% | -8.09% | 22nd bottom |
| Deposit Growth (Y/Y) | 2.87% | 6.29% | -3.42% | 42nd below |
See The First State Bank of Rosemount's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First State Bank of Rosemount, 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 Rosemount profile, how to read a UBPR, or how this data updates.