Minster Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Minster Bank of Minster, OH 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 | 1.66% | 1.34% | +0.32% | 72nd above |
| ROAE | 19.56% | 13.31% | +6.25% | 86th top |
| Net Interest Margin | 3.82% | 3.93% | -0.11% | 43rd below |
| Efficiency Ratio | 48.35% | 61.15% | -12.80% | 84th top |
| PPNR / Avg Assets | 2.28% | 1.68% | +0.60% | 83rd top |
| Yield on Earning Assets | 5.08% | 5.67% | -0.59% | 26th below |
| Cost of Funds | 1.38% | 1.88% | -0.50% | 76th top |
| Net Interest Spread | 3.32% | 3.32% | +0.00% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.49% | 0.94% | -0.45% | 45th below |
| NPA / Total Assets | 0.28% | 0.70% | -0.42% | 52nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 38th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.28% | -0.08% | 50th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 243.46% | 1539.79% | -1296.33% | 54th above |
| Texas Ratio | 2.94% | 7.33% | -4.39% | 54th above |
| Provision / NCO | 4381.25% | 1391.92% | +2989.33% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.09% | 19.51% | -3.42% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.09% | 19.54% | -3.45% | 58th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.22% | 20.63% | -3.41% | 58th above |
| Leverage Ratio | 10.08% | 12.14% | -2.06% | 34th below |
| Equity / Assets | 8.89% | 11.38% | -2.49% | 26th below |
| TCE / Tangible Assets | 8.89% | 11.09% | -2.20% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.30% | 80.65% | -16.35% | 78th top |
| Core Deposit Ratio | 94.71% | 86.85% | +7.86% | 82nd top |
| Wholesale Funding Ratio | 1.80% | 5.04% | -3.24% | 71st above |
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. | 4.93% | 6.85% | -1.92% | 54th above |
| Loan Growth (Y/Y) | 14.53% | 7.90% | +6.63% | 85th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.26% | 6.29% | -1.03% | 59th above |
See Minster Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Minster 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 Minster Bank profile, how to read a UBPR, or how this data updates.