Mid-Central National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mid-Central National Bank of Wadena, 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 | 0.57% | 1.34% | -0.77% | 15th bottom |
| ROAE | 3.15% | 13.32% | -10.17% | 9th bottom |
| Net Interest Margin | 5.19% | 3.93% | +1.26% | 95th top |
| Efficiency Ratio | 82.70% | 61.14% | +21.56% | 11th bottom |
| PPNR / Avg Assets | 0.93% | 1.68% | -0.75% | 18th bottom |
| Yield on Earning Assets | 5.98% | 5.67% | +0.31% | 68th above |
| Cost of Funds | 0.91% | 1.88% | -0.97% | 93rd top |
| Net Interest Spread | 4.93% | 3.32% | +1.61% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.87% | 0.94% | -0.07% | 31st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.66% | 0.70% | -0.04% | 31st below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.84% | 1.28% | -0.44% | 13th bottom |
| ACL / NPLs (Coverage) | 97.54% | 1538.85% | -1441.31% | 27th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.34% | 7.33% | -1.99% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.82% | 19.50% | +5.32% | 88th top |
| Tier 1 Ratio | 24.82% | 19.53% | +5.29% | 88th top |
| Total Capital Ratio | 25.94% | 20.62% | +5.32% | 88th top |
| Leverage Ratio | 14.91% | 12.14% | +2.77% | 86th top |
| Equity / Assets | 18.18% | 11.37% | +6.81% | 95th top |
| TCE / Tangible Assets | 14.91% | 11.09% | +3.82% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.97% | 80.64% | +13.33% | 21st bottom |
| Core Deposit Ratio | 97.55% | 86.86% | +10.69% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.30% | 6.85% | -8.15% | 13th bottom |
| Loan Growth (Y/Y) | 4.33% | 7.90% | -3.57% | 44th below |
| Deposit Growth (Y/Y) | -2.44% | 6.29% | -8.73% | 12th bottom |
See Mid-Central National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mid-Central National 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 Mid-Central National Bank profile, how to read a UBPR, or how this data updates.