State Bank of Lake Park: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Lake Park of Lake Park, 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. | 1.43% | 3.14% | -1.71% | 67th above |
| ROAE | 15.88% | 10.41% | +5.47% | 82nd top |
| Net Interest Margin | 3.79% | 3.93% | -0.14% | 45th below |
| Efficiency Ratio | 58.07% | 76.32% | -18.25% | 74th above |
| PPNR / Avg Assets | 1.50% | 1.40% | +0.10% | 61st above |
| Yield on Earning Assets | 5.41% | 5.35% | +0.06% | 58th above |
| Cost of Funds | 1.76% | 1.70% | +0.06% | 39th below |
| Net Interest Spread | 3.18% | 3.31% | -0.13% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.52% | 1.34% | +0.18% | 23rd bottom |
| NPA / Total Assets | 0.85% | 0.71% | +0.14% | 22nd bottom |
| NCO / Avg Loans | 0.15% | 0.11% | +0.04% | 12th bottom |
| ACL / Total Loans | 1.75% | 1.49% | +0.26% | 77th top |
| ACL / NPLs (Coverage) | 115.00% | 865.59% | -750.59% | 41st below |
| Texas Ratio | 8.34% | 8.25% | +0.09% | 24th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 250.00% | 314.59% | -64.59% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.98% | 17.61% | -6.63% | 28th below |
| Equity / Assets | 9.23% | 16.43% | -7.20% | 19th bottom |
| TCE / Tangible Assets | 9.23% | 16.18% | -6.95% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.80% | 72.84% | -11.04% | 58th above |
| Core Deposit Ratio | 93.81% | 88.21% | +5.60% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.09% | 4.30% | +3.79% | 78th top |
| Loan Growth (Y/Y) | 13.04% | 6.71% | +6.33% | 84th top |
| Deposit Growth (Y/Y) | 7.53% | 3.77% | +3.76% | 76th top |
See State Bank of Lake Park'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 Lake Park, 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 Lake Park profile, how to read a UBPR, or how this data updates.