Northern State Bank of Thief River Falls: 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 Thief River Falls of Thief River Falls, 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 | 1.19% | 1.34% | -0.15% | 44th below |
| ROAE | 12.25% | 13.31% | -1.06% | 49th below |
| Net Interest Margin | 2.70% | 3.93% | -1.23% | 5th bottom |
| Efficiency Ratio | 55.09% | 61.14% | -6.05% | 69th above |
| PPNR / Avg Assets | 1.25% | 1.68% | -0.43% | 31st below |
| Yield on Earning Assets | 4.79% | 5.67% | -0.88% | 16th bottom |
| Cost of Funds | 2.28% | 1.88% | +0.40% | 22nd bottom |
| Net Interest Spread | 2.32% | 3.32% | -1.00% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.94% | -0.65% | 58th above |
| NPA / Total Assets | 0.12% | 0.70% | -0.58% | 67th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 70th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 469.16% | 1539.30% | -1070.14% | 70th above |
| Texas Ratio | 2.32% | 7.33% | -5.01% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.96% | 19.50% | +5.46% | 88th top |
| Tier 1 Ratio | 24.96% | 19.53% | +5.43% | 88th top |
| Total Capital Ratio | 26.21% | 20.62% | +5.59% | 89th top |
| Leverage Ratio | 9.92% | 12.14% | -2.22% | 29th below |
| Equity / Assets | 8.91% | 11.38% | -2.47% | 26th below |
| TCE / Tangible Assets | 8.91% | 11.09% | -2.18% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 39.24% | 80.66% | -41.42% | 96th top |
| Core Deposit Ratio | 98.34% | 86.85% | +11.49% | 96th top |
| Wholesale Funding Ratio | 0.02% | 5.04% | -5.02% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 19.19% | 6.85% | +12.34% | 94th top |
| Loan Growth (Y/Y) | -1.49% | 7.91% | -9.40% | 17th bottom |
| Deposit Growth (Y/Y) | 21.38% | 6.28% | +15.10% | 95th top |
See Northern State Bank of Thief River Falls'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 of Thief River Falls, 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 of Thief River Falls profile, how to read a UBPR, or how this data updates.