Lake Central Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lake Central Bank of Annandale, 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 | 2.35% | 1.35% | +1.00% | 92nd top |
| ROAE | 23.08% | 12.05% | +11.03% | 93rd top |
| Net Interest Margin | 4.29% | 3.90% | +0.39% | 70th above |
| Efficiency Ratio | 46.25% | 63.16% | -16.91% | 88th top |
| PPNR / Avg Assets | 2.49% | 1.64% | +0.85% | 89th top |
| Yield on Earning Assets | 5.42% | 5.65% | -0.23% | 41st below |
| Cost of Funds | 1.27% | 1.85% | -0.58% | 81st top |
| Net Interest Spread | 3.96% | 3.35% | +0.61% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.92% | -0.88% | 81st top |
| NPA / Total Assets | 0.02% | 0.67% | -0.65% | 82nd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 41st below |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 63rd above |
| ACL / NPLs (Coverage) | 3640.30% | 1644.29% | +1996.01% | — |
| Texas Ratio | 0.26% | 7.15% | -6.89% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.18% | 20.83% | -6.65% | 41st below |
| Tier 1 Ratio | 14.18% | 20.87% | -6.69% | 40th below |
| Total Capital Ratio | 15.26% | 21.94% | -6.68% | 40th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.15% | 12.46% | -1.31% | 53rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.45% | 11.67% | -1.22% | 52nd above |
| TCE / Tangible Assets | 9.65% | 11.40% | -1.75% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.34% | 78.65% | -6.31% | 67th above |
| Core Deposit Ratio | 97.84% | 87.09% | +10.75% | 95th top |
| Wholesale Funding Ratio | 0.69% | 5.12% | -4.43% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.17% | 6.47% | -2.30% | 48th below |
| Loan Growth (Y/Y) | 8.52% | 7.64% | +0.88% | 68th above |
| Deposit Growth (Y/Y) | 8.24% | 6.02% | +2.22% | 77th top |
See Lake Central Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lake Central 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 Lake Central Bank profile, how to read a UBPR, or how this data updates.