Saint Martin National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Saint Martin National Bank of Saint Martin, MN against its peer group of 536 similarly-sized US banks as of Q3 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 | 2.65% | 0.82% | +1.83% | 97th top |
| ROAE | 18.29% | 4.81% | +13.48% | 94th top |
| Net Interest Margin | 3.99% | 3.95% | +0.04% | 53rd above |
| Efficiency Ratio | 47.73% | 75.77% | -28.04% | 91st top |
| PPNR / Avg Assets | 2.65% | — | — | 97th top |
| Yield on Earning Assets | 4.83% | 5.44% | -0.61% | 34th below |
| Cost of Funds | 0.99% | 1.71% | -0.72% | 69th above |
| Net Interest Spread | 3.50% | — | — | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.40% | -1.40% | 78th top |
| NPA / Total Assets | 0.00% | — | — | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.11% | -0.11% | 47th below |
| ACL / Total Loans | 1.39% | — | — | 56th above |
| Texas Ratio | 0.00% | 8.94% | -8.94% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.89% | 14.21% | +1.68% | 72nd above |
| Equity / Assets | 15.16% | 13.16% | +2.00% | 81st top |
| TCE / Tangible Assets | 15.16% | — | — | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.09% | 69.13% | -10.04% | 53rd above |
| Core Deposit Ratio | 100.00% | 88.78% | +11.22% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.29% | — | — | 22nd bottom |
| Loan Growth (Y/Y) | 5.36% | — | — | 66th above |
| Deposit Growth (Y/Y) | -3.16% | — | — | 19th bottom |
See Saint Martin National Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Saint Martin National 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 Saint Martin National Bank profile, how to read a UBPR, or how this data updates.