United Minnesota Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Minnesota Bank of New London, 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. | 1.62% | 3.33% | -1.71% | 73rd above |
| ROAE | 21.41% | 8.26% | +13.15% | 92nd top |
| Net Interest Margin | 4.99% | 3.92% | +1.07% | 87th top |
| Efficiency Ratio | 55.09% | 84.52% | -29.43% | 80th top |
| PPNR / Avg Assets | 2.24% | 1.56% | +0.68% | 85th top |
| Yield on Earning Assets | 5.86% | 5.24% | +0.62% | 72nd above |
| Cost of Funds | 0.91% | 1.67% | -0.76% | 83rd top |
| Net Interest Spread | 4.49% | 3.30% | +1.19% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 1.42% | -1.22% | 53rd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.16% | 0.71% | -0.55% | 47th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.80% | 1.53% | -0.73% | 15th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 401.11% | 722.31% | -321.20% | 75th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.28% | 8.57% | -3.29% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.86% | 127.10% | -115.24% | 8th bottom |
| Tier 1 Ratio | 11.86% | 127.12% | -115.26% | 8th bottom |
| Total Capital Ratio | 12.91% | 128.00% | -115.09% | 8th bottom |
| Leverage Ratio | 7.78% | 22.11% | -14.33% | 3rd bottom |
| Equity / Assets | 7.48% | 20.75% | -13.27% | 6th bottom |
| TCE / Tangible Assets | 7.48% | 20.50% | -13.02% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.67% | 74.24% | +11.43% | 23rd bottom |
| Core Deposit Ratio | 87.18% | 88.31% | -1.13% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.05% | 3.81% | +8.24% | 89th top |
| Loan Growth (Y/Y) | 24.49% | 6.81% | +17.68% | 93rd top |
| Deposit Growth (Y/Y) | 12.26% | 2.96% | +9.30% | 90th top |
See United Minnesota Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Minnesota Bank, 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 United Minnesota Bank profile, how to read a UBPR, or how this data updates.