State Bank of Jeffers: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Jeffers of Jeffers, 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. | 1.89% | 3.32% | -1.43% | 81st top |
| ROAE | 13.70% | 8.28% | +5.42% | 76th top |
| Net Interest Margin | 4.37% | 3.92% | +0.45% | 71st above |
| Efficiency Ratio | 37.56% | 84.55% | -46.99% | 96th top |
| PPNR / Avg Assets | 2.74% | 1.56% | +1.18% | 92nd top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.22% | 5.24% | -0.02% | 50th above |
| Cost of Funds | 0.85% | 1.67% | -0.82% | 86th top |
| Net Interest Spread | 3.67% | 3.30% | +0.37% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.36% | 1.53% | -0.17% | 60th above |
| Texas Ratio | 0.00% | 8.57% | -8.57% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.98% | 127.07% | -106.09% | 48th below |
| Tier 1 Ratio | 20.98% | 127.09% | -106.11% | 48th below |
| Total Capital Ratio | 21.98% | 127.97% | -105.99% | 48th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.06% | 22.10% | -8.04% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.74% | 20.73% | -5.99% | 65th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.74% | 20.49% | -5.75% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.18% | 74.28% | -13.10% | 59th above |
| Core Deposit Ratio | 94.81% | 88.30% | +6.51% | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.29% | 3.83% | -4.12% | 30th below |
| Loan Growth (Y/Y) | -3.92% | 6.87% | -10.79% | 23rd bottom |
| Deposit Growth (Y/Y) | -2.31% | 2.99% | -5.30% | 23rd bottom |
See State Bank of Jeffers'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 Jeffers, 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 Jeffers profile, how to read a UBPR, or how this data updates.