Security Bank Minnesota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security Bank Minnesota of Albert Lea, 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 | 1.25% | 1.34% | -0.09% | 49th below |
| ROAE Behind the peer average, ahead of the median peer. | 13.13% | 13.31% | -0.18% | 54th above |
| Net Interest Margin | 4.52% | 3.93% | +0.59% | 80th top |
| Efficiency Ratio | 60.72% | 61.14% | -0.42% | 52nd above |
| PPNR / Avg Assets | 1.80% | 1.68% | +0.12% | 63rd above |
| Yield on Earning Assets | 5.93% | 5.67% | +0.26% | 65th above |
| Cost of Funds | 1.56% | 1.88% | -0.32% | 66th above |
| Net Interest Spread | 3.92% | 3.32% | +0.60% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.92% | 0.94% | +1.98% | 7th bottom |
| NPA / Total Assets | 2.18% | 0.70% | +1.48% | 7th bottom |
| NCO / Avg Loans | 0.35% | 0.16% | +0.19% | 8th bottom |
| ACL / Total Loans | 1.64% | 1.28% | +0.36% | 85th top |
| ACL / NPLs (Coverage) | 56.21% | 1538.90% | -1482.69% | 13th bottom |
| Texas Ratio | 19.22% | 7.33% | +11.89% | 9th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.15% | 19.50% | -6.35% | 30th below |
| Tier 1 Ratio | 13.15% | 19.54% | -6.39% | 30th below |
| Total Capital Ratio | 14.40% | 20.62% | -6.22% | 31st below |
| Leverage Ratio | 9.78% | 12.14% | -2.36% | 27th below |
| Equity / Assets | 10.10% | 11.37% | -1.27% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.10% | 11.09% | -0.99% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.45% | 80.64% | +5.81% | 37th below |
| Core Deposit Ratio | 95.32% | 86.86% | +8.46% | 85th top |
| Wholesale Funding Ratio | 3.07% | 5.03% | -1.96% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.11% | 6.85% | -7.96% | 14th bottom |
| Loan Growth (Y/Y) | 1.39% | 7.90% | -6.51% | 28th below |
| Deposit Growth (Y/Y) | 1.95% | 6.29% | -4.34% | 35th below |
See Security Bank Minnesota's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security Bank Minnesota, 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 Security Bank Minnesota profile, how to read a UBPR, or how this data updates.