Ultima Bank Minnesota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ultima Bank Minnesota of Winger, 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 | 1.91% | 1.35% | +0.56% | 82nd top |
| ROAE | 17.66% | 12.05% | +5.61% | 78th top |
| Net Interest Margin | 5.12% | 3.90% | +1.22% | 94th top |
| Efficiency Ratio | 59.15% | 63.15% | -4.00% | 57th above |
| PPNR / Avg Assets | 2.08% | 1.64% | +0.44% | 75th top |
| Yield on Earning Assets | 7.49% | 5.65% | +1.84% | 98th top |
| Cost of Funds | 2.59% | 1.85% | +0.74% | 13th bottom |
| Net Interest Spread | 4.36% | 3.35% | +1.01% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 0.92% | -0.14% | 34th below |
| NPA / Total Assets | 0.73% | 0.67% | +0.06% | 29th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 40th below |
| ACL / Total Loans | 0.91% | 1.28% | -0.37% | 18th bottom |
| ACL / NPLs (Coverage) | 116.52% | 1645.79% | -1529.27% | 32nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.66% | 7.15% | -0.49% | 33rd below |
| Provision / NCO | 2671.43% | 1188.31% | +1483.12% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.83% | 12.46% | -1.63% | 47th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.62% | 11.67% | -1.05% | 54th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.49% | 11.40% | -0.91% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 113.27% | 78.63% | +34.64% | 2nd bottom |
| Core Deposit Ratio | 80.86% | 87.10% | -6.24% | 18th bottom |
| Wholesale Funding Ratio | 5.29% | 5.11% | +0.18% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.50% | 6.47% | +1.03% | 72nd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.44% | 7.64% | -0.20% | 63rd above |
| Deposit Growth (Y/Y) | 6.42% | 6.02% | +0.40% | 67th above |
See Ultima Bank Minnesota's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ultima Bank Minnesota, 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 Ultima Bank Minnesota profile, how to read a UBPR, or how this data updates.