Lake Elmo Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lake Elmo Bank of Lake Elmo, 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 | 1.84% | 1.35% | +0.49% | 80th top |
| ROAE | 16.41% | 12.05% | +4.36% | 73rd above |
| Net Interest Margin | 4.29% | 3.90% | +0.39% | 70th above |
| Efficiency Ratio | 55.48% | 63.15% | -7.67% | 68th above |
| PPNR / Avg Assets | 2.13% | 1.64% | +0.49% | 77th top |
| Yield on Earning Assets | 5.48% | 5.65% | -0.17% | 44th below |
| Cost of Funds | 1.32% | 1.85% | -0.53% | 79th top |
| Net Interest Spread | 3.70% | 3.35% | +0.35% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 0.92% | -0.14% | 34th below |
| NPA / Total Assets | 0.79% | 0.67% | +0.12% | 27th below |
| NCO / Avg Loans | 0.26% | 0.14% | +0.12% | 10th bottom |
| ACL / Total Loans | 1.33% | 1.28% | +0.05% | 66th above |
| ACL / NPLs (Coverage) | 170.07% | 1645.77% | -1475.70% | 43rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.81% | 7.15% | -0.34% | 32nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 171.83% | 1189.82% | -1017.99% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.14% | 20.83% | -4.69% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.14% | 20.86% | -4.72% | 58th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.39% | 21.94% | -4.55% | 59th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.62% | 12.46% | -0.84% | 60th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.35% | 11.67% | -0.32% | 64th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.35% | 11.40% | -0.05% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.54% | 78.64% | +13.90% | 23rd bottom |
| Core Deposit Ratio | 93.67% | 87.09% | +6.58% | 77th top |
| Wholesale Funding Ratio | 0.72% | 5.12% | -4.40% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.91% | 6.47% | -0.56% | 61st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.49% | 7.64% | -1.15% | 57th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.51% | 6.02% | -0.51% | 61st above |
See Lake Elmo Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lake Elmo 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 Elmo Bank profile, how to read a UBPR, or how this data updates.