Grand Rapids State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Grand Rapids State Bank of Grand Rapids, MN against its peer group of 2672 similarly-sized US banks as of Q3 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 Ahead of the peer average, behind the median peer. | 1.53% | 1.25% | +0.28% | 48th below |
| ROAE | 16.96% | 13.24% | +3.72% | 67th above |
| Net Interest Margin | 5.28% | 3.95% | +1.33% | 95th top |
| Efficiency Ratio | 68.31% | 61.22% | +7.09% | 13th bottom |
| PPNR / Avg Assets | 1.68% | — | — | 38th below |
| Yield on Earning Assets | 5.74% | 5.68% | +0.06% | 66th above |
| Cost of Funds | 0.49% | 1.88% | -1.39% | 97th top |
| Net Interest Spread | 5.03% | — | — | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.94% | -0.91% | 75th top |
| NPA / Total Assets | 0.02% | — | — | 77th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 85th top |
| ACL / Total Loans | 0.76% | — | — | 3rd bottom |
| ACL / NPLs (Coverage) | 2420.45% | — | — | — |
| Texas Ratio | 0.19% | 7.40% | -7.21% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.02% | 11.73% | -1.71% | 16th bottom |
| Equity / Assets | 9.14% | 10.96% | -1.82% | 30th below |
| TCE / Tangible Assets | 9.14% | — | — | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.53% | 80.60% | -20.07% | 67th above |
| Core Deposit Ratio | 97.44% | 86.92% | +10.52% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.82% | — | — | 41st below |
| Loan Growth (Y/Y) | -8.46% | — | — | 0th bottom |
| Deposit Growth (Y/Y) | 2.41% | — | — | 36th below |
See Grand Rapids State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Grand Rapids 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 Rapids State Bank profile, how to read a UBPR, or how this data updates.