Midcountry Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Midcountry Bank of Bloomington, MN against its peer group of 931 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 | 0.85% | 1.46% | -0.61% | 21st bottom |
| ROAE | 6.64% | 12.72% | -6.08% | 14th bottom |
| Net Interest Margin | 3.67% | 3.85% | -0.18% | 47th below |
| Efficiency Ratio | 65.49% | 57.40% | +8.09% | 30th below |
| PPNR / Avg Assets | 1.26% | 1.88% | -0.62% | 26th below |
| Yield on Earning Assets | 5.21% | 5.72% | -0.51% | 30th below |
| Cost of Funds | 1.74% | 2.02% | -0.28% | 66th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.08% | 3.18% | -0.10% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.91% | 1.00% | -0.09% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.75% | 0.76% | -0.01% | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.43% | -0.32% | 27th below |
| ACL / Total Loans | 1.79% | 1.31% | +0.48% | 93rd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 195.89% | 543.50% | -347.61% | 54th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.02% | 7.39% | -1.37% | 41st below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 233.03% | 618.79% | -385.76% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.98% | 17.34% | -1.36% | 78th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.98% | 17.37% | -1.39% | 77th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.23% | 18.42% | -1.19% | 79th top |
| Leverage Ratio | 13.00% | 11.44% | +1.56% | 85th top |
| Equity / Assets | 12.46% | 11.33% | +1.13% | 80th top |
| TCE / Tangible Assets | 11.74% | 10.50% | +1.24% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 88.20% | 86.95% | +1.25% | 50th above |
| Core Deposit Ratio | 94.32% | 85.55% | +8.77% | 80th top |
| Uninsured Deposit Ratio | 26.41% | 33.13% | -6.72% | 67th above |
| Wholesale Funding Ratio | 8.45% | 5.70% | +2.75% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.20% | 9.69% | -9.89% | 15th bottom |
| Loan Growth (Y/Y) | -3.12% | 8.06% | -11.18% | 8th bottom |
| Deposit Growth (Y/Y) | -6.49% | 7.88% | -14.37% | 3rd bottom |
See Midcountry Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Midcountry 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 Midcountry Bank profile, how to read a UBPR, or how this data updates.