Produce State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Produce State Bank of Hollandale, 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 Behind the peer average, ahead of the median peer. | 1.31% | 1.34% | -0.03% | 53rd above |
| ROAE | 12.10% | 13.31% | -1.21% | 48th below |
| Net Interest Margin | 4.54% | 3.93% | +0.61% | 80th top |
| Efficiency Ratio | 63.34% | 61.14% | +2.20% | 44th below |
| PPNR / Avg Assets | 1.45% | 1.68% | -0.23% | 42nd below |
| Yield on Earning Assets | 5.29% | 5.67% | -0.38% | 35th below |
| Cost of Funds | 0.82% | 1.88% | -1.06% | 95th top |
| 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 | 1.91% | 0.94% | +0.97% | 14th bottom |
| NPA / Total Assets | 1.07% | 0.70% | +0.37% | 19th bottom |
| NCO / Avg Loans | -0.30% | 0.16% | -0.46% | 99th top |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 35th below |
| ACL / NPLs (Coverage) | 56.21% | 1538.84% | -1482.63% | 13th bottom |
| Texas Ratio | 9.65% | 7.33% | +2.32% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.33% | 12.14% | -1.81% | 38th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.11% | 11.37% | -0.26% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.53% | 11.09% | -0.56% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.27% | 80.64% | -17.37% | 79th top |
| Core Deposit Ratio | 97.94% | 86.86% | +11.08% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.38% | 6.85% | -6.47% | 22nd bottom |
| Loan Growth (Y/Y) | 12.03% | 7.90% | +4.13% | 80th top |
| Deposit Growth (Y/Y) | 0.30% | 6.29% | -5.99% | 25th below |
See Produce State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Produce 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 Produce State Bank profile, how to read a UBPR, or how this data updates.