Glenwood State Bank (Incorporated): Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Glenwood State Bank (Incorporated) of Glenwood, 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 | 1.75% | 1.34% | +0.41% | 76th top |
| ROAE | 17.05% | 13.31% | +3.74% | 76th top |
| Net Interest Margin | 3.95% | 3.93% | +0.02% | 50th above |
| Efficiency Ratio | 57.67% | 61.14% | -3.47% | 61st above |
| PPNR / Avg Assets | 1.75% | 1.68% | +0.07% | 60th above |
| Yield on Earning Assets | 6.08% | 5.67% | +0.41% | 72nd above |
| Cost of Funds | 2.33% | 1.88% | +0.45% | 21st bottom |
| Net Interest Spread | 3.28% | 3.32% | -0.04% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.99% | 0.94% | +1.05% | 13th bottom |
| NPA / Total Assets | 1.79% | 0.70% | +1.09% | 9th bottom |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 91st top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.28% | -0.07% | 52nd above |
| ACL / NPLs (Coverage) | 60.70% | 1539.53% | -1478.83% | 15th bottom |
| Texas Ratio | 16.03% | 7.33% | +8.70% | 11th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.14% | 19.51% | -7.37% | 19th bottom |
| Tier 1 Ratio | 12.14% | 19.54% | -7.40% | 19th bottom |
| Total Capital Ratio | 13.39% | 20.63% | -7.24% | 21st bottom |
| Leverage Ratio | 10.28% | 12.14% | -1.86% | 38th below |
| Equity / Assets | 10.30% | 11.37% | -1.07% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.30% | 11.09% | -0.79% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.39% | 80.62% | +23.77% | 7th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.70% | 86.86% | +1.84% | 47th below |
| Wholesale Funding Ratio | 3.21% | 5.03% | -1.82% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.05% | 6.86% | -6.91% | 19th bottom |
| Loan Growth (Y/Y) | -3.41% | 7.91% | -11.32% | 11th bottom |
| Deposit Growth (Y/Y) | -1.14% | 6.29% | -7.43% | 17th bottom |
See Glenwood State Bank (Incorporated)'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Glenwood State Bank (Incorporated), 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 Glenwood State Bank (Incorporated) profile, how to read a UBPR, or how this data updates.