Luminate Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Luminate Bank of Minneapolis, 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 | 3.16% | 1.34% | +1.82% | 97th top |
| ROAE | 30.75% | 13.31% | +17.44% | 98th top |
| Net Interest Margin | 3.47% | 3.93% | -0.46% | 26th below |
| Efficiency Ratio | 90.68% | 61.12% | +29.56% | 6th bottom |
| PPNR / Avg Assets | 3.41% | 1.68% | +1.73% | 97th top |
| Yield on Earning Assets | 7.33% | 5.67% | +1.66% | 97th top |
| Cost of Funds | 4.46% | 1.88% | +2.58% | 0th bottom |
| Net Interest Spread | 2.93% | 3.32% | -0.39% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.33% | 0.94% | +1.39% | 10th bottom |
| NPA / Total Assets | 2.33% | 0.70% | +1.63% | 6th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.16% | -0.03% | 17th bottom |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 22nd bottom |
| ACL / NPLs (Coverage) | 41.50% | 1539.55% | -1498.05% | 7th bottom |
| Texas Ratio | 22.33% | 7.32% | +15.01% | 6th bottom |
| Provision / NCO | 63.32% | 1396.58% | -1333.26% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.73% | 19.51% | -6.78% | 24th bottom |
| Tier 1 Ratio | 12.73% | 19.54% | -6.81% | 24th bottom |
| Total Capital Ratio | 13.79% | 20.63% | -6.84% | 24th bottom |
| Leverage Ratio | 10.40% | 12.14% | -1.74% | 39th below |
| Equity / Assets | 9.84% | 11.38% | -1.54% | 42nd below |
| TCE / Tangible Assets | 9.69% | 11.09% | -1.40% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.89% | 80.62% | +29.27% | 4th bottom |
| Core Deposit Ratio | 97.57% | 86.85% | +10.72% | 94th top |
| Wholesale Funding Ratio | 10.82% | 5.03% | +5.79% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 34.44% | 6.84% | +27.60% | 98th top |
| Loan Growth (Y/Y) | 34.14% | 7.89% | +26.25% | 97th top |
| Deposit Growth (Y/Y) | 20.02% | 6.28% | +13.74% | 94th top |
See Luminate Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Luminate 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 Luminate Bank profile, how to read a UBPR, or how this data updates.