Minnesota Lakes Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Minnesota Lakes Bank of Delano, 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 | 1.54% | 1.34% | +0.20% | 65th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.88% | 13.31% | -0.43% | 53rd above |
| Net Interest Margin | 6.20% | 3.93% | +2.27% | 99th top |
| Efficiency Ratio | 70.75% | 61.14% | +9.61% | 26th below |
| PPNR / Avg Assets | 1.75% | 1.68% | +0.07% | 60th above |
| Yield on Earning Assets | 6.66% | 5.67% | +0.99% | 90th top |
| Cost of Funds | 0.43% | 1.88% | -1.45% | 99th top |
| Net Interest Spread | 6.03% | 3.32% | +2.71% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.63% | 0.94% | +1.69% | 8th bottom |
| NPA / Total Assets | 1.53% | 0.70% | +0.83% | 11th bottom |
| NCO / Avg Loans | -0.36% | 0.16% | -0.52% | 99th top |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 49th below |
| ACL / NPLs (Coverage) | 45.22% | 1538.88% | -1493.66% | 9th bottom |
| Texas Ratio | 17.13% | 7.33% | +9.80% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.84% | 19.50% | -2.66% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.84% | 19.54% | -2.70% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.99% | 20.62% | -2.63% | 63rd above |
| Leverage Ratio | 10.69% | 12.14% | -1.45% | 45th below |
| Equity / Assets | 11.73% | 11.37% | +0.36% | 68th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.31% | 11.09% | -0.78% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.42% | 80.64% | -14.22% | 75th top |
| Core Deposit Ratio | 95.64% | 86.86% | +8.78% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.63% | 6.85% | -3.22% | 44th below |
| Loan Growth (Y/Y) | -10.32% | 7.91% | -18.23% | 2nd bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.43% | 6.29% | -0.86% | 60th above |
See Minnesota Lakes Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Minnesota Lakes 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 Minnesota Lakes Bank profile, how to read a UBPR, or how this data updates.