Pine River State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pine River State Bank of Pine River, 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 | 0.97% | 1.34% | -0.37% | 31st below |
| ROAE | 11.82% | 13.31% | -1.49% | 47th below |
| Net Interest Margin | 3.86% | 3.93% | -0.07% | 46th below |
| Efficiency Ratio | 74.17% | 61.14% | +13.03% | 21st bottom |
| PPNR / Avg Assets | 0.93% | 1.68% | -0.75% | 18th bottom |
| Yield on Earning Assets | 5.19% | 5.67% | -0.48% | 31st below |
| Cost of Funds | 1.40% | 1.88% | -0.48% | 75th top |
| Net Interest Spread | 3.30% | 3.32% | -0.02% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.88% | 0.94% | -0.06% | 31st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.66% | 0.70% | -0.04% | 31st below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 39th below |
| ACL / NPLs (Coverage) | 126.87% | 1538.95% | -1412.08% | 35th below |
| Texas Ratio | 7.51% | 7.33% | +0.18% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.36% | 19.50% | -3.14% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.36% | 19.54% | -3.18% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.61% | 20.62% | -3.01% | 60th above |
| Leverage Ratio | 8.48% | 12.14% | -3.66% | 6th bottom |
| Equity / Assets | 8.17% | 11.37% | -3.20% | 15th bottom |
| TCE / Tangible Assets | 8.17% | 11.09% | -2.92% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.85% | 80.64% | -17.79% | 80th top |
| Core Deposit Ratio | 95.49% | 86.86% | +8.63% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.55% | 6.85% | -3.30% | 43rd below |
| Loan Growth (Y/Y) | 5.08% | 7.90% | -2.82% | 48th below |
| Deposit Growth (Y/Y) | 3.16% | 6.29% | -3.13% | 44th below |
See Pine River State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pine River 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 Pine River State Bank profile, how to read a UBPR, or how this data updates.