Randall State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Randall State Bank of Randall, MN against its peer group of 536 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. | 1.20% | 3.14% | -1.94% | 58th above |
| ROAE | 7.19% | 10.42% | -3.23% | 42nd below |
| Net Interest Margin | 5.93% | 3.93% | +2.00% | 97th top |
| Efficiency Ratio | 61.69% | 76.33% | -14.64% | 68th above |
| PPNR / Avg Assets | 1.93% | 1.40% | +0.53% | 77th top |
| Yield on Earning Assets | 7.46% | 5.35% | +2.11% | 96th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.65% | 1.70% | -0.05% | 45th below |
| Net Interest Spread | 5.16% | 3.31% | +1.85% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.30% | 1.34% | +0.96% | 15th bottom |
| NPA / Total Assets | 1.86% | 0.71% | +1.15% | 9th bottom |
| NCO / Avg Loans | 1.57% | 0.10% | +1.47% | 2nd bottom |
| ACL / Total Loans | 1.04% | 1.49% | -0.45% | 32nd below |
| ACL / NPLs (Coverage) | 45.29% | 866.71% | -821.42% | 15th bottom |
| Texas Ratio | 17.25% | 8.23% | +9.02% | 10th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 60.34% | 315.69% | -255.35% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.73% | 17.62% | -6.89% | 26th below |
| Equity / Assets | 16.97% | 16.42% | +0.55% | 74th above |
| TCE / Tangible Assets | 10.70% | 16.19% | -5.49% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.60% | 72.78% | +24.82% | 12th bottom |
| Core Deposit Ratio | 87.87% | 88.22% | -0.35% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 28.11% | 4.25% | +23.86% | 98th top |
| Loan Growth (Y/Y) | 27.67% | 6.68% | +20.99% | 94th top |
| Deposit Growth (Y/Y) | 18.67% | 3.74% | +14.93% | 95th top |
See Randall State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Randall 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 Randall State Bank profile, how to read a UBPR, or how this data updates.