Red River State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Red River State Bank of Halstad, 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 | 2.24% | 1.35% | +0.89% | 91st top |
| ROAE | 14.75% | 12.05% | +2.70% | 64th above |
| Net Interest Margin | 4.83% | 3.90% | +0.93% | 89th top |
| Efficiency Ratio | 55.60% | 63.15% | -7.55% | 67th above |
| PPNR / Avg Assets | 2.16% | 1.64% | +0.52% | 78th top |
| Yield on Earning Assets | 6.18% | 5.65% | +0.53% | 76th top |
| Cost of Funds | 1.50% | 1.85% | -0.35% | 69th above |
| Net Interest Spread | 3.90% | 3.35% | +0.55% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 7.74% | 0.92% | +6.82% | 1st bottom |
| NPA / Total Assets | 6.90% | 0.67% | +6.23% | 0th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.67% | 1.28% | +0.39% | 86th top |
| ACL / NPLs (Coverage) | 21.53% | 1645.83% | -1624.30% | 1st bottom |
| Texas Ratio | 45.76% | 7.14% | +38.62% | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.24% | 12.46% | +2.78% | 87th top |
| Equity / Assets | 16.09% | 11.67% | +4.42% | 91st top |
| TCE / Tangible Assets | 15.85% | 11.40% | +4.45% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.14% | 78.63% | +28.51% | 5th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.49% | 87.09% | +0.40% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.14% | 6.48% | -11.62% | 5th bottom |
| Loan Growth (Y/Y) | -5.56% | 7.64% | -13.20% | 6th bottom |
| Deposit Growth (Y/Y) | -6.89% | 6.03% | -12.92% | 4th bottom |
See Red River State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Red River 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 Red River State Bank profile, how to read a UBPR, or how this data updates.