The Miners State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Miners State Bank of Iron River, MI 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 | 0.88% | 1.34% | -0.46% | 27th below |
| ROAE | 7.90% | 13.31% | -5.41% | 24th bottom |
| Net Interest Margin | 4.27% | 3.93% | +0.34% | 69th above |
| Efficiency Ratio | 70.52% | 61.14% | +9.38% | 27th below |
| PPNR / Avg Assets | 1.19% | 1.68% | -0.49% | 28th below |
| Yield on Earning Assets | 5.49% | 5.67% | -0.18% | 45th below |
| Cost of Funds | 1.30% | 1.88% | -0.58% | 80th top |
| Net Interest Spread | 3.68% | 3.32% | +0.36% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets | 0.25% | 0.70% | -0.45% | 55th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 22nd bottom |
| ACL / NPLs (Coverage) | 2322.22% | 1538.56% | +783.66% | — |
| Texas Ratio | 2.09% | 7.33% | -5.24% | 62nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 566.67% | 1395.65% | -828.98% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.19% | 12.14% | +0.05% | 67th above |
| Equity / Assets | 11.50% | 11.37% | +0.13% | 66th above |
| TCE / Tangible Assets | 11.50% | 11.09% | +0.41% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.42% | 80.64% | -7.22% | 65th above |
| Core Deposit Ratio | 94.09% | 86.86% | +7.23% | 80th top |
| Wholesale Funding Ratio | 0.05% | 5.03% | -4.98% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.63% | 6.85% | -11.48% | 5th bottom |
| Loan Growth (Y/Y) | -5.36% | 7.90% | -13.26% | 7th bottom |
| Deposit Growth (Y/Y) | -6.01% | 6.29% | -12.30% | 5th bottom |
See The Miners State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Miners 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 The Miners State Bank profile, how to read a UBPR, or how this data updates.