Northern State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Northern State Bank of Ashland, WI 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 | 1.82% | 1.35% | +0.47% | 79th top |
| ROAE | 18.50% | 12.05% | +6.45% | 82nd top |
| Net Interest Margin | 4.01% | 3.90% | +0.11% | 54th above |
| Efficiency Ratio | 50.65% | 63.15% | -12.50% | 79th top |
| PPNR / Avg Assets | 1.98% | 1.64% | +0.34% | 71st above |
| Yield on Earning Assets | 5.38% | 5.65% | -0.27% | 39th below |
| Cost of Funds | 1.47% | 1.85% | -0.38% | 71st above |
| Net Interest Spread | 3.77% | 3.35% | +0.42% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.92% | -0.70% | 63rd above |
| NPA / Total Assets | 0.10% | 0.67% | -0.57% | 69th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 48th below |
| ACL / Total Loans | 1.12% | 1.28% | -0.16% | 40th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 512.61% | 1645.62% | -1133.01% | 71st above |
| Texas Ratio | 0.98% | 7.15% | -6.17% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.11% | 20.83% | -3.72% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.11% | 20.86% | -3.75% | 64th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.08% | 21.94% | -3.86% | 63rd above |
| Leverage Ratio | 9.92% | 12.46% | -2.54% | 29th below |
| Equity / Assets | 10.00% | 11.67% | -1.67% | 45th below |
| TCE / Tangible Assets | 10.00% | 11.40% | -1.40% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.66% | 78.65% | -25.99% | 90th top |
| Core Deposit Ratio | 97.19% | 87.09% | +10.10% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.24% | 6.47% | +1.77% | 76th top |
| Loan Growth (Y/Y) | -1.09% | 7.64% | -8.73% | 19th bottom |
| Deposit Growth (Y/Y) | 8.70% | 6.02% | +2.68% | 78th top |
See Northern State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Northern State 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 Northern State Bank profile, how to read a UBPR, or how this data updates.