Kensington Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Kensington Bank of Kensington, 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 | 1.21% | 1.34% | -0.13% | 46th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.46% | 13.31% | -0.85% | 51st above |
| Net Interest Margin | 4.35% | 3.93% | +0.42% | 73rd above |
| Efficiency Ratio | 49.58% | 61.14% | -11.56% | 81st top |
| PPNR / Avg Assets | 2.34% | 1.68% | +0.66% | 85th top |
| Yield on Earning Assets | 6.16% | 5.67% | +0.49% | 76th top |
| Cost of Funds | 1.92% | 1.88% | +0.04% | 42nd below |
| Net Interest Spread | 3.88% | 3.32% | +0.56% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.94% | -0.62% | 56th above |
| NPA / Total Assets | 0.24% | 0.70% | -0.46% | 56th above |
| NCO / Avg Loans | 1.21% | 0.16% | +1.05% | 3rd bottom |
| ACL / Total Loans | 0.71% | 1.28% | -0.57% | 7th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 222.53% | 1539.30% | -1316.77% | 51st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.60% | 7.33% | -2.73% | 44th below |
| Provision / NCO | 113.94% | 1396.33% | -1282.39% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.61% | 19.51% | -7.90% | 13th bottom |
| Tier 1 Ratio | 11.61% | 19.54% | -7.93% | 13th bottom |
| Total Capital Ratio | 12.34% | 20.63% | -8.29% | 10th bottom |
| Leverage Ratio | 9.90% | 12.14% | -2.24% | 29th below |
| Equity / Assets | 9.98% | 11.37% | -1.39% | 44th below |
| TCE / Tangible Assets | 9.61% | 11.09% | -1.48% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.34% | 80.63% | +10.71% | 25th below |
| Core Deposit Ratio | 93.41% | 86.86% | +6.55% | 76th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.48% | 5.03% | -0.55% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.16% | 6.86% | -8.02% | 13th bottom |
| Loan Growth (Y/Y) | -0.97% | 7.91% | -8.88% | 19th bottom |
| Deposit Growth (Y/Y) | -3.61% | 6.29% | -9.90% | 9th bottom |
See Kensington Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Kensington 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 Kensington Bank profile, how to read a UBPR, or how this data updates.