Lake Region Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lake Region Bank of New London, 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 | 1.98% | 1.34% | +0.64% | 85th top |
| ROAE | 24.82% | 13.31% | +11.51% | 95th top |
| Net Interest Margin | 4.57% | 3.93% | +0.64% | 81st top |
| Efficiency Ratio | 62.62% | 61.14% | +1.48% | 46th below |
| PPNR / Avg Assets | 2.11% | 1.68% | +0.43% | 76th top |
| Yield on Earning Assets | 5.10% | 5.67% | -0.57% | 27th below |
| Cost of Funds | 0.57% | 1.88% | -1.31% | 98th top |
| Net Interest Spread | 4.24% | 3.32% | +0.92% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 74th above |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 78th top |
| NCO / Avg Loans | -0.03% | 0.16% | -0.19% | 93rd top |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 27th below |
| ACL / NPLs (Coverage) | 1120.59% | 1538.74% | -418.15% | — |
| Texas Ratio | 0.50% | 7.33% | -6.83% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.78% | 19.50% | -0.72% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.78% | 19.54% | -0.76% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.67% | 20.62% | -0.95% | 72nd above |
| Leverage Ratio | 10.43% | 12.14% | -1.71% | 40th below |
| Equity / Assets | 8.44% | 11.37% | -2.93% | 19th bottom |
| TCE / Tangible Assets | 8.44% | 11.09% | -2.65% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.32% | 80.64% | -26.32% | 88th top |
| Core Deposit Ratio | 98.49% | 86.86% | +11.63% | 97th 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. | 5.53% | 6.85% | -1.32% | 59th above |
| Loan Growth (Y/Y) | 9.95% | 7.90% | +2.05% | 73rd above |
| Deposit Growth (Y/Y) | 8.12% | 6.29% | +1.83% | 76th top |
See Lake Region Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lake Region 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 Region Bank profile, how to read a UBPR, or how this data updates.