MY Kind of Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks MY Kind of Bank, N.A. of Ottertail, 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 | 1.47% | 1.34% | +0.13% | 61st above |
| ROAE | 18.44% | 13.31% | +5.13% | 81st top |
| Net Interest Margin | 4.16% | 3.93% | +0.23% | 62nd above |
| Efficiency Ratio | 60.57% | 61.14% | -0.57% | 52nd above |
| PPNR / Avg Assets | 1.77% | 1.68% | +0.09% | 61st above |
| Yield on Earning Assets | 6.28% | 5.67% | +0.61% | 80th top |
| Cost of Funds | 2.19% | 1.88% | +0.31% | 27th below |
| Net Interest Spread | 3.82% | 3.32% | +0.50% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.02% | 0.94% | +0.08% | 28th below |
| NPA / Total Assets | 0.86% | 0.70% | +0.16% | 24th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 78th top |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 43rd below |
| ACL / NPLs (Coverage) | 111.41% | 1539.31% | -1427.90% | 31st below |
| Texas Ratio | 12.74% | 7.33% | +5.41% | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.89% | 19.51% | -7.62% | 16th bottom |
| Tier 1 Ratio | 11.89% | 19.54% | -7.65% | 16th bottom |
| Total Capital Ratio | 13.04% | 20.63% | -7.59% | 17th bottom |
| Leverage Ratio | 9.03% | 12.14% | -3.11% | 13th bottom |
| Equity / Assets | 8.05% | 11.38% | -3.33% | 14th bottom |
| TCE / Tangible Assets | 7.20% | 11.09% | -3.89% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.58% | 80.64% | +0.94% | 48th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.61% | 86.86% | +0.75% | 42nd below |
| Wholesale Funding Ratio | 0.14% | 5.04% | -4.90% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.27% | 6.85% | +0.42% | 71st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.16% | 7.90% | -0.74% | 61st above |
| Deposit Growth (Y/Y) | 8.36% | 6.29% | +2.07% | 77th top |
See MY Kind of Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock MY Kind of 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 MY Kind of Bank, N.A. profile, how to read a UBPR, or how this data updates.