Minnesota First Credit and Savings, Incorporated: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Minnesota First Credit and Savings, Incorporated of Rochester, MN against its peer group of 536 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 | 0.32% | 3.14% | -2.82% | 20th bottom |
| ROAE | 2.27% | 10.42% | -8.15% | 21st bottom |
| Net Interest Margin | 4.34% | 3.93% | +0.41% | 70th above |
| Efficiency Ratio | 92.14% | 76.29% | +15.85% | 17th bottom |
| PPNR / Avg Assets | 0.33% | 1.40% | -1.07% | 17th bottom |
| Yield on Earning Assets | 7.66% | 5.35% | +2.31% | 98th top |
| Cost of Funds | 3.85% | 1.70% | +2.15% | 2nd bottom |
| Net Interest Spread | 3.88% | 3.31% | +0.57% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 1.34% | -1.22% | 57th above |
| NPA / Total Assets | 0.11% | 0.71% | -0.60% | 52nd above |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.52% | 1.49% | +0.03% | 68th above |
| ACL / NPLs (Coverage) | 1239.39% | 863.68% | +375.71% | — |
| Texas Ratio | 0.71% | 8.26% | -7.55% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.92% | 61.93% | -42.01% | 44th below |
| Tier 1 Ratio | 19.92% | 61.94% | -42.02% | 44th below |
| Total Capital Ratio | 21.18% | 62.90% | -41.72% | 45th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.16% | 17.61% | -3.45% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.15% | 16.43% | -2.28% | 62nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.15% | 16.18% | -2.03% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.05% | 72.80% | +35.25% | 5th bottom |
| Core Deposit Ratio | 96.19% | 88.21% | +7.98% | 78th top |
| Wholesale Funding Ratio | 1.90% | 5.28% | -3.38% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.31% | 4.30% | +5.01% | 81st top |
| Loan Growth (Y/Y) | 7.34% | 6.72% | +0.62% | 70th above |
| Deposit Growth (Y/Y) | 9.51% | 3.77% | +5.74% | 83rd top |
See Minnesota First Credit and Savings, Incorporated's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Minnesota First Credit and Savings, Incorporated, 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 Minnesota First Credit and Savings, Incorporated profile, how to read a UBPR, or how this data updates.