North Star Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks North Star Bank of Roseville, 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 | 1.18% | 1.34% | -0.16% | 44th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.66% | 13.32% | -0.66% | 52nd above |
| Net Interest Margin | 3.84% | 3.93% | -0.09% | 45th below |
| Efficiency Ratio | 63.74% | 61.13% | +2.61% | 43rd below |
| PPNR / Avg Assets | 1.37% | 1.68% | -0.31% | 37th below |
| Yield on Earning Assets | 5.47% | 5.67% | -0.20% | 44th below |
| Cost of Funds | 1.80% | 1.88% | -0.08% | 50th above |
| Net Interest Spread | 3.40% | 3.32% | +0.08% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.94% | 0.94% | +0.00% | 30th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.61% | 0.70% | -0.09% | 33rd below |
| NCO / Avg Loans | 1.83% | 0.16% | +1.67% | 2nd bottom |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 42nd below |
| ACL / NPLs (Coverage) | 120.32% | 1546.69% | -1426.37% | 33rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.91% | 7.34% | -1.43% | 36th below |
| Provision / NCO | 4.65% | 1395.64% | -1390.99% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.00% | 12.14% | -1.14% | 50th above |
| Equity / Assets | 9.60% | 11.37% | -1.77% | 38th below |
| TCE / Tangible Assets | 9.60% | 11.08% | -1.48% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.13% | 80.66% | -8.53% | 67th above |
| Core Deposit Ratio | 92.15% | 86.85% | +5.30% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.64% | 6.84% | -8.48% | 12th bottom |
| Loan Growth (Y/Y) | -6.32% | 7.92% | -14.24% | 5th bottom |
| Deposit Growth (Y/Y) | -3.05% | 6.29% | -9.34% | 10th bottom |
See North Star Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock North Star 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 North Star Bank profile, how to read a UBPR, or how this data updates.