Odin State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Odin State Bank of Odin, MN against its peer group of 578 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 | 2.22% | 0.85% | +1.37% | 86th top |
| ROAE | 28.11% | 5.23% | +22.88% | 96th top |
| Net Interest Margin | 3.71% | 3.94% | -0.23% | 41st below |
| Efficiency Ratio | 51.30% | 76.13% | -24.83% | 87th top |
| PPNR / Avg Assets | 2.04% | — | — | 80th top |
| Yield on Earning Assets | 6.31% | 5.42% | +0.89% | 84th top |
| Cost of Funds | 2.83% | 1.69% | +1.14% | 11th bottom |
| Net Interest Spread | 3.12% | — | — | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.17% | 1.23% | +0.94% | 19th bottom |
| NPA / Total Assets | 1.58% | — | — | 14th bottom |
| NCO / Avg Loans | -0.11% | 0.11% | -0.22% | 94th top |
| ACL / Total Loans | 1.06% | — | — | 35th below |
| ACL / NPLs (Coverage) | 48.92% | — | — | 19th bottom |
| Texas Ratio | 17.62% | 7.23% | +10.39% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.94% | 25.12% | -13.18% | 6th bottom |
| Tier 1 Ratio | 11.94% | 25.12% | -13.18% | 6th bottom |
| Total Capital Ratio | 13.11% | — | — | 7th bottom |
| Leverage Ratio | 8.50% | 14.13% | -5.63% | 7th bottom |
| Equity / Assets | 8.18% | 13.07% | -4.89% | 9th bottom |
| TCE / Tangible Assets | 8.18% | — | — | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.60% | 68.58% | +12.02% | 30th below |
| Core Deposit Ratio | 68.60% | 88.79% | -20.19% | 5th bottom |
| Wholesale Funding Ratio | 0.72% | — | — | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.28% | — | — | 63rd above |
| Loan Growth (Y/Y) | -3.31% | — | — | 25th below |
| Deposit Growth (Y/Y) | 4.57% | — | — | 62nd above |
See Odin State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Odin 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 Odin State 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 Odin State Bank peer analysis.