Freeport State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Freeport State Bank of Freeport, MN against its peer group of 2757 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 | 1.19% | 1.25% | -0.06% | 44th below |
| ROAE | 11.78% | 12.22% | -0.44% | 46th below |
| Net Interest Margin | 4.51% | 3.95% | +0.56% | 79th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.05% | 63.71% | -1.66% | 47th below |
| PPNR / Avg Assets | 1.66% | — | — | 54th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.64% | 5.67% | -0.03% | 52nd above |
| Cost of Funds | 1.24% | 1.87% | -0.63% | 83rd top |
| Net Interest Spread | 4.05% | — | — | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 88th top |
| NPA / Total Assets | 0.00% | — | — | 89th top |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 84th top |
| ACL / Total Loans | 0.85% | — | — | 14th bottom |
| ACL / NPLs (Coverage) | 97700.00% | — | — | — |
| Texas Ratio | 0.01% | 5.96% | -5.95% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.00% | 17.18% | -2.18% | 49th below |
| Tier 1 Ratio | 15.00% | 17.21% | -2.21% | 48th below |
| Total Capital Ratio | 15.83% | — | — | 46th below |
| Leverage Ratio | 10.69% | 11.75% | -1.06% | 44th below |
| Equity / Assets | 10.19% | 10.98% | -0.79% | 47th below |
| TCE / Tangible Assets | 10.19% | — | — | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.30% | 80.44% | -3.14% | 57th above |
| Core Deposit Ratio | 94.24% | 86.95% | +7.29% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.62% | — | — | 11th bottom |
| Loan Growth (Y/Y) | 4.51% | — | — | 44th below |
| Deposit Growth (Y/Y) | -2.63% | — | — | 11th bottom |
See Freeport State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Freeport State Bank, 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 Freeport State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Freeport State Bank peer analysis.