Liberty Bank Minnesota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Liberty Bank Minnesota of Saint Cloud, 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 | 1.08% | 1.34% | -0.26% | 38th below |
| ROAE | 12.11% | 13.31% | -1.20% | 48th below |
| Net Interest Margin | 3.08% | 3.93% | -0.85% | 12th bottom |
| Efficiency Ratio | 72.54% | 61.14% | +11.40% | 23rd bottom |
| PPNR / Avg Assets | 1.08% | 1.68% | -0.60% | 24th bottom |
| Yield on Earning Assets | 3.77% | 5.67% | -1.90% | 1st bottom |
| Cost of Funds | 0.73% | 1.88% | -1.15% | 96th top |
| Net Interest Spread | 2.86% | 3.32% | -0.46% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 32nd below |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 24th bottom |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | 0.00% | 1396.09% | -1396.09% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.85% | 19.50% | +6.35% | 89th top |
| Tier 1 Ratio | 25.85% | 19.53% | +6.32% | 89th top |
| Total Capital Ratio | 26.78% | 20.62% | +6.16% | 89th top |
| Leverage Ratio | 12.90% | 12.14% | +0.76% | 74th above |
| Equity / Assets | 9.25% | 11.37% | -2.12% | 31st below |
| TCE / Tangible Assets | 9.25% | 11.09% | -1.84% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.21% | 80.64% | -28.43% | 90th top |
| Core Deposit Ratio | 98.07% | 86.86% | +11.21% | 96th 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. | 5.59% | 6.85% | -1.26% | 59th above |
| Loan Growth (Y/Y) | -3.99% | 7.91% | -11.90% | 10th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.30% | 6.29% | -0.99% | 60th above |
See Liberty Bank Minnesota's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Liberty Bank Minnesota, 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 Liberty Bank Minnesota profile, how to read a UBPR, or how this data updates.