Marshall County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Marshall County State Bank of Newfolden, MN against its peer group of 578 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 | 1.55% | 0.85% | +0.70% | 70th above |
| ROAE | 9.97% | 5.23% | +4.74% | 57th above |
| Net Interest Margin | 3.06% | 3.94% | -0.88% | 15th bottom |
| Efficiency Ratio | 47.75% | 76.13% | -28.38% | 91st top |
| PPNR / Avg Assets | 1.67% | — | — | 67th above |
| Yield on Earning Assets | 4.74% | 5.42% | -0.68% | 30th below |
| Cost of Funds | 2.04% | 1.69% | +0.35% | 27th below |
| Net Interest Spread | 2.30% | — | — | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.23% | -1.23% | 86th top |
| NPA / Total Assets | 0.00% | — | — | 83rd top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 2.07% | — | — | 83rd top |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 60.73% | 25.12% | +35.61% | 81st top |
| Tier 1 Ratio | 60.73% | 25.12% | +35.61% | 81st top |
| Total Capital Ratio | 62.00% | — | — | 81st top |
| Leverage Ratio | 15.81% | 14.13% | +1.68% | 69th above |
| Equity / Assets | 15.39% | 13.07% | +2.32% | 68th above |
| TCE / Tangible Assets | 15.39% | — | — | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 37.99% | 68.58% | -30.59% | 85th top |
| Core Deposit Ratio | 96.24% | 88.79% | +7.45% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.56% | — | — | 74th above |
| Loan Growth (Y/Y) | 2.87% | — | — | 51st above |
| Deposit Growth (Y/Y) | 9.37% | — | — | 81st top |
See Marshall County State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Marshall County State 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 Marshall County State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Marshall County State Bank peer analysis.