State Bank of New Richland: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of New Richland of New Richland, MN against its peer group of 2603 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 | 1.81% | 1.34% | +0.47% | 78th top |
| ROAE | 18.70% | 13.32% | +5.38% | 82nd top |
| Net Interest Margin | 3.48% | 3.93% | -0.45% | 26th below |
| Efficiency Ratio | 40.99% | 61.13% | -20.14% | 95th top |
| PPNR / Avg Assets | 2.10% | 1.68% | +0.42% | 76th top |
| Yield on Earning Assets | 5.99% | 5.67% | +0.32% | 68th above |
| Cost of Funds | 2.53% | 1.88% | +0.65% | 15th bottom |
| Net Interest Spread | 2.72% | 3.32% | -0.60% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.94% | -0.82% | 71st above |
| NPA / Total Assets | 0.11% | 0.70% | -0.59% | 69th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 47th below |
| ACL / Total Loans | 0.89% | 1.28% | -0.39% | 16th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 742.42% | 1546.23% | -803.81% | 78th top |
| Texas Ratio | 2.46% | 7.34% | -4.88% | 58th above |
| Provision / NCO | 2000.00% | 1394.76% | +605.24% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.97% | 19.49% | -7.52% | 17th bottom |
| Tier 1 Ratio | 11.97% | 19.52% | -7.55% | 17th bottom |
| Total Capital Ratio | 12.91% | 20.61% | -7.70% | 15th bottom |
| Leverage Ratio | 9.96% | 12.14% | -2.18% | 30th below |
| Equity / Assets | 9.84% | 11.36% | -1.52% | 42nd below |
| TCE / Tangible Assets | 9.84% | 11.08% | -1.24% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 136.06% | 80.66% | +55.40% | 0th bottom |
| Core Deposit Ratio | 76.81% | 86.85% | -10.04% | 11th bottom |
| Wholesale Funding Ratio | 23.50% | 5.03% | +18.47% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.20% | 6.84% | -6.64% | 21st bottom |
| Loan Growth (Y/Y) | -1.13% | 7.92% | -9.05% | 18th bottom |
| Deposit Growth (Y/Y) | 7.00% | 6.29% | +0.71% | 70th above |
See State Bank of New Richland's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of New Richland, 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 New Richland profile, how to read a UBPR, or how this data updates.