Pine Country Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pine Country Bank of Little 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 | 1.52% | 1.34% | +0.18% | 64th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.78% | 13.31% | -0.53% | 53rd above |
| Net Interest Margin | 4.40% | 3.93% | +0.47% | 75th top |
| Efficiency Ratio | 51.92% | 61.14% | -9.22% | 77th top |
| PPNR / Avg Assets | 2.14% | 1.68% | +0.46% | 78th top |
| Yield on Earning Assets | 5.58% | 5.67% | -0.09% | 49th below |
| Cost of Funds | 1.28% | 1.88% | -0.60% | 81st top |
| Net Interest Spread | 3.76% | 3.32% | +0.44% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.06% | 0.94% | +0.12% | 27th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.68% | 0.70% | -0.02% | 30th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 33rd below |
| ACL / NPLs (Coverage) | 100.69% | 1539.25% | -1438.56% | 28th below |
| Texas Ratio | 7.38% | 7.33% | +0.05% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.31% | 19.51% | -5.20% | 42nd below |
| Tier 1 Ratio | 14.31% | 19.54% | -5.23% | 42nd below |
| Total Capital Ratio | 15.30% | 20.62% | -5.32% | 40th below |
| Leverage Ratio | 10.24% | 12.14% | -1.90% | 37th below |
| Equity / Assets | 11.54% | 11.37% | +0.17% | 66th above |
| TCE / Tangible Assets | 9.33% | 11.09% | -1.76% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.05% | 80.64% | -7.59% | 65th above |
| Core Deposit Ratio | 93.65% | 86.86% | +6.79% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.77% | 6.85% | -7.62% | 15th bottom |
| Loan Growth (Y/Y) | 7.95% | 7.90% | +0.05% | 65th above |
| Deposit Growth (Y/Y) | -1.47% | 6.29% | -7.76% | 16th bottom |
See Pine Country Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pine Country 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 Pine Country Bank profile, how to read a UBPR, or how this data updates.