The State Savings Bank of Manistique: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The State Savings Bank of Manistique of Manistique, MI 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 | 0.89% | 1.34% | -0.45% | 27th below |
| ROAE | 11.28% | 13.31% | -2.03% | 43rd below |
| Net Interest Margin | 3.15% | 3.93% | -0.78% | 14th bottom |
| Efficiency Ratio | 69.65% | 61.14% | +8.51% | 29th below |
| PPNR / Avg Assets | 0.98% | 1.68% | -0.70% | 20th bottom |
| Yield on Earning Assets | 4.86% | 5.67% | -0.81% | 18th bottom |
| Cost of Funds | 1.77% | 1.88% | -0.11% | 52nd above |
| Net Interest Spread | 2.96% | 3.32% | -0.36% | 31st 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. | 0.80% | 0.94% | -0.14% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.42% | 0.70% | -0.28% | 43rd below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 34th below |
| ACL / NPLs (Coverage) | 133.83% | 1538.94% | -1405.11% | 37th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.85% | 7.33% | -2.48% | 42nd below |
| Provision / NCO | 1500.00% | 1395.46% | +104.54% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.64% | 12.14% | -2.50% | 24th bottom |
| Equity / Assets | 8.06% | 11.37% | -3.31% | 14th bottom |
| TCE / Tangible Assets | 8.06% | 11.09% | -3.03% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.47% | 80.64% | -20.17% | 83rd top |
| Core Deposit Ratio | 85.54% | 86.86% | -1.32% | 32nd below |
| Wholesale Funding Ratio | 5.38% | 5.03% | +0.35% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.50% | 6.85% | +0.65% | 72nd above |
| Loan Growth (Y/Y) | 8.75% | 7.90% | +0.85% | 69th above |
| Deposit Growth (Y/Y) | 11.34% | 6.29% | +5.05% | 86th top |
See The State Savings Bank of Manistique's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The State Savings Bank of Manistique, 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 Savings Bank of Manistique profile, how to read a UBPR, or how this data updates.