Perennial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Perennial Bank of Darwin, 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 | 0.99% | 1.34% | -0.35% | 32nd below |
| ROAE Behind the peer average, ahead of the median peer. | 12.73% | 13.31% | -0.58% | 52nd above |
| Net Interest Margin | 3.03% | 3.93% | -0.90% | 11th bottom |
| Efficiency Ratio | 57.85% | 61.14% | -3.29% | 60th above |
| PPNR / Avg Assets | 1.26% | 1.68% | -0.42% | 32nd below |
| Yield on Earning Assets | 4.17% | 5.67% | -1.50% | 4th bottom |
| Cost of Funds | 1.25% | 1.88% | -0.63% | 82nd top |
| Net Interest Spread | 2.43% | 3.32% | -0.89% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.21% | 0.94% | +0.27% | 24th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.50% | 0.70% | -0.20% | 38th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 32nd below |
| ACL / Total Loans | 1.45% | 1.28% | +0.17% | 75th top |
| ACL / NPLs (Coverage) | 119.92% | 1538.91% | -1418.99% | 33rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.51% | 7.33% | -0.82% | 33rd below |
| Provision / NCO | 2050.00% | 1395.34% | +654.66% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.66% | 19.50% | +4.16% | 86th top |
| Tier 1 Ratio | 23.66% | 19.53% | +4.13% | 86th top |
| Total Capital Ratio | 24.91% | 20.62% | +4.29% | 86th top |
| Leverage Ratio | 9.48% | 12.14% | -2.66% | 21st bottom |
| Equity / Assets | 8.03% | 11.37% | -3.34% | 14th bottom |
| TCE / Tangible Assets | 8.03% | 11.09% | -3.06% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.28% | 80.64% | -35.36% | 94th top |
| Core Deposit Ratio | 97.44% | 86.86% | +10.58% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.46% | 6.85% | -0.39% | 65th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.86% | 7.90% | -1.04% | 59th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.74% | 6.29% | -0.55% | 62nd above |
See Perennial Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Perennial 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 Perennial Bank profile, how to read a UBPR, or how this data updates.