Sentry Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sentry Bank of Saint Joseph, 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 | 1.34% | 1.25% | +0.09% | 54th above |
| ROAE | 14.66% | 12.22% | +2.44% | 63rd above |
| Net Interest Margin | 4.02% | 3.95% | +0.07% | 54th above |
| Efficiency Ratio | 51.14% | 63.71% | -12.57% | 78th top |
| PPNR / Avg Assets | 1.98% | — | — | 71st above |
| Yield on Earning Assets | 6.08% | 5.67% | +0.41% | 71st above |
| Cost of Funds | 2.03% | 1.87% | +0.16% | 35th below |
| Net Interest Spread | 3.46% | — | — | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 93rd top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 75th top |
| ACL / Total Loans | 1.22% | — | — | 52nd above |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
| Provision / NCO | 11500.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.00% | 17.18% | -6.18% | 8th bottom |
| Tier 1 Ratio | 11.00% | 17.21% | -6.21% | 8th bottom |
| Total Capital Ratio | 12.25% | — | — | 9th bottom |
| Leverage Ratio | 8.66% | 11.75% | -3.09% | 8th bottom |
| Equity / Assets | 8.89% | 10.98% | -2.09% | 25th below |
| TCE / Tangible Assets | 7.32% | — | — | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.87% | 80.44% | +4.43% | 41st below |
| Core Deposit Ratio | 91.44% | 86.95% | +4.49% | 64th above |
| Wholesale Funding Ratio | 2.89% | — | — | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 18.93% | — | — | 94th top |
| Loan Growth (Y/Y) | 27.53% | — | — | 96th top |
| Deposit Growth (Y/Y) | 21.87% | — | — | 95th top |
See Sentry Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sentry 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 Sentry Bank 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 Sentry Bank peer analysis.