The State Bank of Faribault: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The State Bank of Faribault of Faribault, 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 | 1.13% | 1.34% | -0.21% | 40th below |
| ROAE | 15.68% | 13.31% | +2.37% | 70th above |
| Net Interest Margin | 4.04% | 3.93% | +0.11% | 55th above |
| Efficiency Ratio | 70.63% | 61.14% | +9.49% | 27th below |
| PPNR / Avg Assets | 1.33% | 1.68% | -0.35% | 35th below |
| Yield on Earning Assets | 5.38% | 5.67% | -0.29% | 39th below |
| Cost of Funds | 1.43% | 1.88% | -0.45% | 73rd above |
| Net Interest Spread | 3.49% | 3.32% | +0.17% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.94% | -0.62% | 56th above |
| NPA / Total Assets | 0.94% | 0.70% | +0.24% | 22nd bottom |
| NCO / Avg Loans | -0.04% | 0.16% | -0.20% | 94th top |
| ACL / Total Loans | 1.95% | 1.28% | +0.67% | 93rd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 607.30% | 1539.00% | -931.70% | 75th top |
| Texas Ratio | 11.32% | 7.33% | +3.99% | 19th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.85% | 19.51% | -6.66% | 26th below |
| Tier 1 Ratio | 12.85% | 19.54% | -6.69% | 25th below |
| Total Capital Ratio | 14.11% | 20.62% | -6.51% | 27th below |
| Leverage Ratio | 9.31% | 12.14% | -2.83% | 18th bottom |
| Equity / Assets | 7.25% | 11.38% | -4.13% | 8th bottom |
| TCE / Tangible Assets | 7.25% | 11.09% | -3.84% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.51% | 80.64% | -21.13% | 84th top |
| Core Deposit Ratio | 94.21% | 86.86% | +7.35% | 80th top |
| Wholesale Funding Ratio | 0.02% | 5.04% | -5.02% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.06% | 6.85% | -1.79% | 55th above |
| Loan Growth (Y/Y) | 0.87% | 7.90% | -7.03% | 26th below |
| Deposit Growth (Y/Y) | 3.81% | 6.29% | -2.48% | 48th below |
See The State Bank of Faribault's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The State Bank of Faribault, 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 The State Bank of Faribault profile, how to read a UBPR, or how this data updates.