Profinium, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Profinium, Inc. of Truman, MN against its peer group of 2757 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 | 1.07% | 1.25% | -0.18% | 36th below |
| ROAE | 12.01% | 12.22% | -0.21% | 47th below |
| Net Interest Margin | 3.45% | 3.95% | -0.50% | 25th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 63.45% | 63.71% | -0.26% | 43rd below |
| PPNR / Avg Assets | 1.39% | — | — | 37th below |
| Yield on Earning Assets | 5.36% | 5.67% | -0.31% | 38th below |
| Cost of Funds | 2.07% | 1.87% | +0.20% | 33rd below |
| Net Interest Spread | 2.85% | — | — | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.88% | -0.75% | 71st above |
| NPA / Total Assets | 0.10% | — | — | 71st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.15% | -0.01% | 16th bottom |
| ACL / Total Loans | 1.28% | — | — | 59th above |
| ACL / NPLs (Coverage) | 961.95% | — | — | 81st top |
| Texas Ratio | 1.03% | 5.96% | -4.93% | 68th above |
| Provision / NCO | -56.43% | — | — | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.17% | 17.18% | -4.01% | 30th below |
| Tier 1 Ratio | 13.17% | 17.21% | -4.04% | 30th below |
| Total Capital Ratio | 14.42% | — | — | 31st below |
| Leverage Ratio | 10.17% | 11.75% | -1.58% | 35th below |
| Equity / Assets | 9.31% | 10.98% | -1.67% | 32nd below |
| TCE / Tangible Assets | 8.66% | — | — | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.57% | 80.44% | +6.13% | 37th below |
| Core Deposit Ratio | 91.77% | 86.95% | +4.82% | 66th above |
| Wholesale Funding Ratio | 4.87% | — | — | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.74% | — | — | 37th below |
| Loan Growth (Y/Y) | -3.71% | — | — | 10th bottom |
| Deposit Growth (Y/Y) | 3.01% | — | — | 42nd below |
See Profinium, Inc.'s peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Profinium, Inc., 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 Profinium, Inc. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Profinium, Inc. peer analysis.