Keen Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Keen Bank, N.A. of Waseca, 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 | 2.13% | 1.34% | +0.79% | 88th top |
| ROAE | 25.13% | 13.32% | +11.81% | 95th top |
| Net Interest Margin | 5.10% | 3.93% | +1.17% | 93rd top |
| Efficiency Ratio | 56.52% | 61.13% | -4.61% | 65th above |
| PPNR / Avg Assets | 2.36% | 1.68% | +0.68% | 86th top |
| Yield on Earning Assets | 6.44% | 5.67% | +0.77% | 85th top |
| Cost of Funds | 1.43% | 1.88% | -0.45% | 73rd above |
| Net Interest Spread | 4.70% | 3.32% | +1.38% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 36th below |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| Texas Ratio | 0.49% | 7.34% | -6.85% | 80th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 625.00% | 1395.09% | -770.09% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.21% | 19.49% | -7.28% | 19th bottom |
| Tier 1 Ratio | 12.21% | 19.52% | -7.31% | 19th bottom |
| Total Capital Ratio | 13.46% | 20.61% | -7.15% | 21st bottom |
| Leverage Ratio | 8.43% | 12.14% | -3.71% | 5th bottom |
| Equity / Assets | 8.26% | 11.37% | -3.11% | 17th bottom |
| TCE / Tangible Assets | 7.74% | 11.08% | -3.34% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.93% | 80.66% | +1.27% | 47th below |
| Core Deposit Ratio | 92.80% | 86.85% | +5.95% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.23% | 6.84% | +0.39% | 71st above |
| Loan Growth (Y/Y) | 8.87% | 7.92% | +0.95% | 69th above |
| Deposit Growth (Y/Y) | 7.17% | 6.29% | +0.88% | 72nd above |
See Keen Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Keen Bank, N.A., 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 Keen Bank, N.A. profile, how to read a UBPR, or how this data updates.