Minnesota National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Minnesota National Bank of Sauk Centre, 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 | 1.80% | 1.34% | +0.46% | 78th top |
| ROAE | 17.41% | 13.31% | +4.10% | 77th top |
| Net Interest Margin | 4.57% | 3.93% | +0.64% | 81st top |
| Efficiency Ratio | 56.09% | 61.14% | -5.05% | 66th above |
| PPNR / Avg Assets | 2.11% | 1.68% | +0.43% | 77th top |
| Yield on Earning Assets | 6.14% | 5.67% | +0.47% | 75th top |
| Cost of Funds | 1.53% | 1.88% | -0.35% | 68th above |
| Net Interest Spread | 4.22% | 3.32% | +0.90% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.38% | 0.94% | -0.56% | 52nd above |
| NPA / Total Assets | 0.31% | 0.70% | -0.39% | 51st above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 33rd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 277.73% | 1539.07% | -1261.34% | 57th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.05% | 7.33% | -3.28% | 47th below |
| Provision / NCO | 5000.00% | 1393.90% | +3606.10% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.55% | 19.51% | -7.96% | 13th bottom |
| Tier 1 Ratio | 11.55% | 19.54% | -7.99% | 13th bottom |
| Total Capital Ratio | 12.61% | 20.63% | -8.02% | 12th bottom |
| Leverage Ratio | 9.77% | 12.14% | -2.37% | 27th below |
| Equity / Assets | 10.15% | 11.37% | -1.22% | 47th below |
| TCE / Tangible Assets | 8.99% | 11.09% | -2.10% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.84% | 80.63% | +14.21% | 19th bottom |
| Core Deposit Ratio | 91.89% | 86.86% | +5.03% | 66th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.44% | 5.03% | -0.59% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.13% | 6.85% | -8.98% | 10th bottom |
| Loan Growth (Y/Y) | 3.25% | 7.90% | -4.65% | 38th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.97% | 6.29% | -1.32% | 57th above |
See Minnesota National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Minnesota 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 Minnesota National Bank profile, how to read a UBPR, or how this data updates.