State Bank of Chandler: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Chandler of Chandler, MN against its peer group of 536 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. | 1.64% | 3.14% | -1.50% | 73rd above |
| ROAE | 14.77% | 10.41% | +4.36% | 80th top |
| Net Interest Margin | 4.08% | 3.93% | +0.15% | 60th above |
| Efficiency Ratio | 47.22% | 76.35% | -29.13% | 90th top |
| PPNR / Avg Assets | 2.27% | 1.40% | +0.87% | 86th top |
| Yield on Earning Assets | 5.82% | 5.35% | +0.47% | 71st above |
| Cost of Funds | 1.95% | 1.70% | +0.25% | 30th below |
| Net Interest Spread | 3.23% | 3.31% | -0.08% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.95% | 1.34% | -0.39% | 32nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.66% | 0.71% | -0.05% | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.11% | -0.10% | 27th below |
| ACL / Total Loans | 1.56% | 1.49% | +0.07% | 71st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 164.30% | 866.12% | -701.82% | 53rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.32% | 8.25% | -2.93% | 32nd below |
| Provision / NCO | 0.00% | 315.84% | -315.84% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.19% | 62.05% | -45.86% | 28th below |
| Tier 1 Ratio | 16.19% | 62.05% | -45.86% | 28th below |
| Total Capital Ratio | 17.44% | 63.02% | -45.58% | 30th below |
| Leverage Ratio | 11.59% | 17.62% | -6.03% | 34th below |
| Equity / Assets | 11.25% | 16.43% | -5.18% | 39th below |
| TCE / Tangible Assets | 11.25% | 16.18% | -4.93% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.93% | 72.82% | +6.11% | 32nd below |
| Core Deposit Ratio | 95.67% | 88.20% | +7.47% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.54% | 4.31% | -1.77% | 49th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.56% | 6.72% | -1.16% | 62nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.83% | 3.77% | -0.94% | 55th above |
See State Bank of Chandler's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Chandler, 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 State Bank of Chandler profile, how to read a UBPR, or how this data updates.