NorthStar Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks NorthStar Bank of Estherville, IA against its peer group of 2660 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.27% | 1.28% | -0.01% | 50th worse half |
| ROAE | 7.74% | 12.50% | -4.76% | 23rd worst quarter |
| Net Interest Margin | 3.28% | 3.95% | -0.67% | 18th worst quarter |
| Efficiency Ratio | 48.68% | 61.08% | -12.40% | 17th best quarter |
| PPNR / Avg Assets | 1.63% | 1.60% | +0.03% | 52nd better half |
| Yield on Earning Assets | 5.02% | 5.60% | -0.58% | 24th |
| Cost of Funds | 1.93% | 1.80% | +0.13% | 59th worse half |
| Net Interest Spread | 2.80% | 3.33% | -0.53% | 24th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.42% | -0.42% | 12th best quarter |
| NPA / Total Assets | 0.00% | 0.32% | -0.32% | 12th best quarter |
| NCO / Avg Loans | 0.00% | 0.00% | +0.00% | 38th better half |
| ACL / Total Loans | 0.94% | 1.19% | -0.25% | 20th |
| ACL / NPLs (Coverage) | 42433.33% | 219.62% | +42213.71% | — |
| Texas Ratio | 0.01% | 2.65% | -2.64% | 12th best quarter |
| CRE / Total Capital | 59.77% | 119.44% | -59.67% | 27th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 16.72% | 15.12% | +1.60% | 62nd better half |
| Tier 1 Ratio | 16.72% | 15.13% | +1.59% | 62nd better half |
| Total Capital Ratio | 17.66% | 16.26% | +1.40% | 61st better half |
| Leverage Ratio | 11.66% | 10.99% | +0.67% | 60th better half |
| Equity / Assets | 16.80% | 10.39% | +6.41% | 93rd best quarter |
| TCE / Tangible Assets | 11.74% | 10.10% | +1.64% | 71st better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 80.46% | 80.60% | -0.14% | 50th |
| Core Deposit Ratio | 92.64% | 89.07% | +3.57% | 72nd better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.56% | 4.51% | -0.95% | 43rd |
| Loan Growth (Y/Y) | -3.28% | 5.47% | -8.75% | 11th |
| Deposit Growth (Y/Y) | 2.54% | 4.05% | -1.51% | 39th |
See NorthStar Bank's peers by name
The 2660 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 NorthStar Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the NorthStar Bank peer analysis.