Lake Country Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lake Country Community Bank of Morristown, 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 | 0.43% | 3.33% | -2.90% | 23rd bottom |
| ROAE | 4.34% | 8.29% | -3.95% | 31st below |
| Net Interest Margin | 4.90% | 3.92% | +0.98% | 84th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 80.90% | 84.48% | -3.58% | 29th below |
| PPNR / Avg Assets | 0.90% | 1.56% | -0.66% | 35th below |
| Yield on Earning Assets | 5.69% | 5.24% | +0.45% | 67th above |
| Cost of Funds | 0.83% | 1.67% | -0.84% | 86th top |
| Net Interest Spread | 4.32% | 3.30% | +1.02% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 1.34% | 0.71% | +0.63% | 14th bottom |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 86th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.34% | 1.53% | -0.19% | 59th above |
| Texas Ratio | 12.54% | 8.55% | +3.99% | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.34% | 127.07% | -106.73% | 46th below |
| Tier 1 Ratio | 20.34% | 127.09% | -106.75% | 46th below |
| Total Capital Ratio | 21.59% | 127.97% | -106.38% | 46th below |
| Leverage Ratio | 11.92% | 22.10% | -10.18% | 38th below |
| Equity / Assets | 9.96% | 20.74% | -10.78% | 26th below |
| TCE / Tangible Assets | 9.96% | 20.49% | -10.53% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.50% | 74.28% | -12.78% | 59th above |
| Core Deposit Ratio | 96.00% | 88.29% | +7.71% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.44% | 3.84% | -8.28% | 13th bottom |
| Loan Growth (Y/Y) | 17.16% | 6.83% | +10.33% | 89th top |
| Deposit Growth (Y/Y) | -5.40% | 2.99% | -8.39% | 12th bottom |
See Lake Country Community Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lake Country Community 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 Country Community Bank profile, how to read a UBPR, or how this data updates.