Grand Marais State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Grand Marais State Bank of Grand Marais, MN against its peer group of 2603 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 | 1.99% | 1.34% | +0.65% | 85th top |
| ROAE | 24.32% | 13.32% | +11.00% | 95th top |
| Net Interest Margin | 4.29% | 3.93% | +0.36% | 70th above |
| Efficiency Ratio | 55.13% | 61.13% | -6.00% | 68th above |
| PPNR / Avg Assets | 1.98% | 1.68% | +0.30% | 71st above |
| Yield on Earning Assets | 5.49% | 5.67% | -0.18% | 45th below |
| Cost of Funds | 1.11% | 1.88% | -0.77% | 88th top |
| Net Interest Spread | 3.44% | 3.32% | +0.12% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.94% | -0.84% | 73rd above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 75th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 26th below |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 24th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 988.46% | 1546.24% | -557.78% | 82nd top |
| Texas Ratio | 0.72% | 7.34% | -6.62% | 77th top |
| Provision / NCO | 0.00% | 1395.29% | -1395.29% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.41% | 19.49% | -6.08% | 33rd below |
| Tier 1 Ratio | 13.41% | 19.52% | -6.11% | 32nd below |
| Total Capital Ratio | 14.43% | 20.61% | -6.18% | 31st below |
| Leverage Ratio | 8.40% | 12.14% | -3.74% | 5th bottom |
| Equity / Assets | 8.08% | 11.37% | -3.29% | 15th bottom |
| TCE / Tangible Assets | 8.08% | 11.08% | -3.00% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.12% | 80.66% | -11.54% | 72nd above |
| Core Deposit Ratio | 95.90% | 86.85% | +9.05% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 76.17% | 6.83% | +69.34% | 99th top |
| Loan Growth (Y/Y) | 68.10% | 7.91% | +60.19% | 99th top |
| Deposit Growth (Y/Y) | 75.68% | 6.27% | +69.41% | 99th top |
See Grand Marais State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Grand Marais 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 Grand Marais State Bank profile, how to read a UBPR, or how this data updates.