The Northern State Bank of Gonvick: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Northern State Bank of Gonvick of Gonvick, MN against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.61% | 3.13% | -1.52% | 72nd above |
| ROAE | 10.41% | 10.30% | +0.11% | 61st above |
| Net Interest Margin | 3.08% | 3.94% | -0.86% | 16th bottom |
| Efficiency Ratio | 47.03% | 76.35% | -29.32% | 91st top |
| PPNR / Avg Assets | 1.65% | 1.40% | +0.25% | 67th above |
| Yield on Earning Assets | 4.88% | 5.35% | -0.47% | 35th below |
| Cost of Funds | 2.05% | 1.70% | +0.35% | 26th below |
| Net Interest Spread | 2.50% | 3.32% | -0.82% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.71% | 1.34% | -0.63% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.27% | 0.71% | -0.44% | 42nd below |
| NCO / Avg Loans | -0.02% | 0.10% | -0.12% | 85th top |
| ACL / Total Loans | 3.03% | 1.49% | +1.54% | 93rd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 425.36% | 866.08% | -440.72% | 75th top |
| Texas Ratio | 2.22% | 8.27% | -6.05% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 46.18% | 62.22% | -16.04% | 78th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 46.18% | 62.22% | -16.04% | 78th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 47.46% | 63.19% | -15.73% | 78th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 15.75% | 17.65% | -1.90% | 68th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 16.02% | 16.45% | -0.43% | 71st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 16.02% | 16.19% | -0.17% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.74% | 72.87% | -27.13% | 76th top |
| Core Deposit Ratio | 96.79% | 88.26% | +8.53% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.59% | 4.26% | -3.67% | 37th below |
| Loan Growth (Y/Y) | 16.40% | 6.74% | +9.66% | 88th top |
| Deposit Growth (Y/Y) | 0.94% | 3.73% | -2.79% | 44th below |
See The Northern State Bank of Gonvick's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Northern State Bank of Gonvick, 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 The Northern State Bank of Gonvick profile, how to read a UBPR, or how this data updates.