Grove Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Grove Bank of Grove City, MN against its peer group of 536 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 | 0.36% | 3.14% | -2.78% | 21st bottom |
| ROAE | 2.87% | 10.43% | -7.56% | 23rd bottom |
| Net Interest Margin | 4.96% | 3.93% | +1.03% | 87th top |
| Efficiency Ratio | 90.15% | 76.28% | +13.87% | 18th bottom |
| PPNR / Avg Assets | 0.34% | 1.40% | -1.06% | 17th bottom |
| Yield on Earning Assets | 7.08% | 5.35% | +1.73% | 95th top |
| Cost of Funds | 2.06% | 1.70% | +0.36% | 26th below |
| Net Interest Spread | 4.33% | 3.31% | +1.02% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 1.34% | -1.22% | 57th above |
| NPA / Total Assets | 0.09% | 0.71% | -0.62% | 53rd above |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.92% | 1.49% | -0.57% | 23rd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 764.00% | 864.38% | -100.38% | 85th top |
| Texas Ratio | 0.86% | 8.26% | -7.40% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.08% | 62.03% | -49.95% | 9th bottom |
| Tier 1 Ratio | 12.08% | 62.03% | -49.95% | 9th bottom |
| Total Capital Ratio | 12.94% | 63.00% | -50.06% | 8th bottom |
| Leverage Ratio | 9.95% | 17.62% | -7.67% | 18th bottom |
| Equity / Assets | 12.48% | 16.43% | -3.95% | 49th below |
| TCE / Tangible Assets | 9.93% | 16.18% | -6.25% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.07% | 72.80% | +18.27% | 17th bottom |
| Core Deposit Ratio | 98.90% | 88.20% | +10.70% | 92nd top |
| Wholesale Funding Ratio | 6.60% | 5.27% | +1.33% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.36% | 4.31% | -5.67% | 25th below |
| Loan Growth (Y/Y) | 14.03% | 6.71% | +7.32% | 85th top |
| Deposit Growth (Y/Y) | -0.87% | 3.78% | -4.65% | 30th below |
See Grove Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Grove 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 Grove Bank profile, how to read a UBPR, or how this data updates.