Prime Security Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Prime Security Bank of Karlstad, 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 | 0.57% | 1.34% | -0.77% | 15th bottom |
| ROAE | 6.49% | 13.32% | -6.83% | 19th bottom |
| Net Interest Margin | 3.88% | 3.93% | -0.05% | 47th below |
| Efficiency Ratio | 82.39% | 61.14% | +21.25% | 11th bottom |
| PPNR / Avg Assets | 0.69% | 1.68% | -0.99% | 12th bottom |
| Yield on Earning Assets | 6.39% | 5.67% | +0.72% | 84th top |
| Cost of Funds | 2.88% | 1.88% | +1.00% | 7th bottom |
| Net Interest Spread | 3.39% | 3.32% | +0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.88% | 0.70% | +0.18% | 23rd bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.59% | 1.28% | -0.69% | 4th bottom |
| Texas Ratio | 15.20% | 7.33% | +7.87% | 12th bottom |
| Provision / NCO | 0.00% | 1395.81% | -1395.81% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.86% | 19.50% | -8.64% | 7th bottom |
| Tier 1 Ratio | 10.86% | 19.54% | -8.68% | 7th bottom |
| Total Capital Ratio | 11.57% | 20.62% | -9.05% | 5th bottom |
| Leverage Ratio | 8.71% | 12.14% | -3.43% | 9th bottom |
| Equity / Assets | 8.26% | 11.37% | -3.11% | 16th bottom |
| TCE / Tangible Assets | 8.26% | 11.09% | -2.83% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.16% | 80.63% | +21.53% | 9th bottom |
| Core Deposit Ratio | 95.75% | 86.86% | +8.89% | 87th top |
| Wholesale Funding Ratio | 6.38% | 5.03% | +1.35% | 29th below |
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. | 5.06% | 6.85% | -1.79% | 55th above |
| Loan Growth (Y/Y) | 10.31% | 7.90% | +2.41% | 75th top |
| Deposit Growth (Y/Y) | 3.16% | 6.29% | -3.13% | 44th below |
See Prime Security Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Prime Security 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 Prime Security Bank profile, how to read a UBPR, or how this data updates.