Minnstar Bank N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Minnstar Bank N.A. of Lake Crystal, MN against its peer group of 2603 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 | 1.12% | 1.34% | -0.22% | 40th below |
| ROAE | 10.67% | 13.32% | -2.65% | 40th below |
| Net Interest Margin | 3.73% | 3.93% | -0.20% | 38th below |
| Efficiency Ratio | 60.30% | 61.13% | -0.83% | 53rd above |
| PPNR / Avg Assets | 1.53% | 1.68% | -0.15% | 46th below |
| Yield on Earning Assets | 5.85% | 5.67% | +0.18% | 61st above |
| Cost of Funds | 2.27% | 1.88% | +0.39% | 23rd bottom |
| Net Interest Spread | 2.98% | 3.32% | -0.34% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.94% | -0.58% | 53rd above |
| NPA / Total Assets | 0.31% | 0.70% | -0.39% | 50th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 77th top |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 69th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 374.36% | 1546.37% | -1172.01% | 65th above |
| Texas Ratio | 2.70% | 7.34% | -4.64% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.42% | 19.49% | -6.07% | 33rd below |
| Tier 1 Ratio | 13.42% | 19.52% | -6.10% | 33rd below |
| Total Capital Ratio | 14.67% | 20.61% | -5.94% | 34th below |
| Leverage Ratio | 10.38% | 12.14% | -1.76% | 39th below |
| Equity / Assets | 10.25% | 11.36% | -1.11% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.25% | 11.08% | -0.83% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.53% | 80.66% | +14.87% | 17th bottom |
| Core Deposit Ratio | 90.73% | 86.85% | +3.88% | 59th above |
| Wholesale Funding Ratio | 0.98% | 5.04% | -4.06% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.54% | 6.84% | -1.30% | 59th above |
| Loan Growth (Y/Y) | 9.24% | 7.92% | +1.32% | 71st above |
| Deposit Growth (Y/Y) | 8.51% | 6.29% | +2.22% | 78th top |
See Minnstar Bank N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Minnstar Bank N.A., 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 Minnstar Bank N.A. profile, how to read a UBPR, or how this data updates.