Premier Bank Minnesota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Premier Bank Minnesota of Hastings, 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 | 1.90% | 1.34% | +0.56% | 82nd top |
| ROAE | 19.65% | 13.31% | +6.34% | 86th top |
| Net Interest Margin | 4.63% | 3.93% | +0.70% | 84th top |
| Efficiency Ratio | 59.90% | 61.14% | -1.24% | 54th above |
| PPNR / Avg Assets | 1.90% | 1.68% | +0.22% | 68th above |
| Yield on Earning Assets | 6.04% | 5.67% | +0.37% | 70th above |
| Cost of Funds | 1.50% | 1.88% | -0.38% | 69th above |
| Net Interest Spread | 4.09% | 3.32% | +0.77% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.48% | 0.94% | -0.46% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.38% | 0.70% | -0.32% | 45th below |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 91st top |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 63rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 271.03% | 1539.60% | -1268.57% | 56th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.79% | 7.33% | -3.54% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.43% | 19.51% | -7.08% | 22nd bottom |
| Tier 1 Ratio | 12.43% | 19.54% | -7.11% | 22nd bottom |
| Total Capital Ratio | 13.68% | 20.63% | -6.95% | 23rd bottom |
| Leverage Ratio | 10.02% | 12.14% | -2.12% | 32nd below |
| Equity / Assets | 9.61% | 11.38% | -1.77% | 38th below |
| TCE / Tangible Assets | 9.58% | 11.09% | -1.51% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.06% | 80.63% | +7.43% | 33rd below |
| Core Deposit Ratio | 92.41% | 86.86% | +5.55% | 70th above |
| Wholesale Funding Ratio | 0.22% | 5.04% | -4.82% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.65% | 6.86% | -7.51% | 16th bottom |
| Loan Growth (Y/Y) | -4.88% | 7.91% | -12.79% | 8th bottom |
| Deposit Growth (Y/Y) | 0.56% | 6.29% | -5.73% | 27th below |
See Premier Bank Minnesota's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Premier Bank Minnesota, 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 Premier Bank Minnesota profile, how to read a UBPR, or how this data updates.