Star Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Star Bank of Maple Lake, 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 Behind the peer average, ahead of the median peer. | 1.26% | 1.35% | -0.09% | 50th above |
| ROAE | 13.05% | 12.05% | +1.00% | 54th above |
| Net Interest Margin | 5.05% | 3.90% | +1.15% | 93rd top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.12% | 63.15% | -1.03% | 48th below |
| PPNR / Avg Assets | 1.88% | 1.64% | +0.24% | 67th above |
| Yield on Earning Assets | 6.56% | 5.65% | +0.91% | 88th top |
| Cost of Funds | 1.60% | 1.85% | -0.25% | 63rd above |
| Net Interest Spread | 4.47% | 3.35% | +1.12% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.63% | 0.92% | +1.71% | 8th bottom |
| NPA / Total Assets | 2.25% | 0.67% | +1.58% | 6th bottom |
| NCO / Avg Loans | 0.64% | 0.14% | +0.50% | 5th bottom |
| ACL / Total Loans | 1.08% | 1.28% | -0.20% | 35th below |
| ACL / NPLs (Coverage) | 41.10% | 1645.82% | -1604.72% | 7th bottom |
| Texas Ratio | 23.81% | 7.14% | +16.67% | 5th bottom |
| Provision / NCO | 95.60% | 1189.86% | -1094.26% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.73% | 20.84% | -10.11% | 6th bottom |
| Tier 1 Ratio | 10.73% | 20.87% | -10.14% | 6th bottom |
| Total Capital Ratio | 11.75% | 21.94% | -10.19% | 6th bottom |
| Leverage Ratio | 9.29% | 12.46% | -3.17% | 17th bottom |
| Equity / Assets | 9.91% | 11.67% | -1.76% | 43rd below |
| TCE / Tangible Assets | 9.19% | 11.40% | -2.21% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.88% | 78.64% | +14.24% | 23rd bottom |
| Core Deposit Ratio | 85.38% | 87.09% | -1.71% | 32nd below |
| Wholesale Funding Ratio | 3.36% | 5.11% | -1.75% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.12% | 6.48% | -6.36% | 20th bottom |
| Loan Growth (Y/Y) | -4.56% | 7.64% | -12.20% | 8th bottom |
| Deposit Growth (Y/Y) | -0.42% | 6.03% | -6.45% | 21st bottom |
See Star Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Star 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 Star Bank profile, how to read a UBPR, or how this data updates.