United Prairie Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Prairie Bank of Mountain Lake, 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 | 1.52% | 1.34% | +0.18% | 64th above |
| ROAE | 15.45% | 13.31% | +2.14% | 68th above |
| Net Interest Margin | 4.18% | 3.93% | +0.25% | 63rd above |
| Efficiency Ratio | 54.33% | 61.15% | -6.82% | 71st above |
| PPNR / Avg Assets | 1.98% | 1.68% | +0.30% | 71st above |
| Yield on Earning Assets | 6.08% | 5.67% | +0.41% | 72nd above |
| Cost of Funds | 2.05% | 1.88% | +0.17% | 34th below |
| Net Interest Spread | 3.86% | 3.32% | +0.54% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.43% | 0.94% | +0.49% | 20th bottom |
| NPA / Total Assets | 1.21% | 0.70% | +0.51% | 16th bottom |
| NCO / Avg Loans | 0.19% | 0.16% | +0.03% | 13th bottom |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 20th bottom |
| ACL / NPLs (Coverage) | 65.54% | 1540.14% | -1474.60% | 17th bottom |
| Texas Ratio | 12.01% | 7.33% | +4.68% | 17th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 239.03% | 1397.09% | -1158.06% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.68% | 12.14% | -2.46% | 25th below |
| Equity / Assets | 10.22% | 11.38% | -1.16% | 48th below |
| TCE / Tangible Assets | 9.37% | 11.09% | -1.72% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.65% | 80.62% | +20.03% | 11th bottom |
| Core Deposit Ratio | 92.12% | 86.86% | +5.26% | 68th above |
| Wholesale Funding Ratio | 5.33% | 5.03% | +0.30% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.69% | 6.86% | -5.17% | 30th below |
| Loan Growth (Y/Y) | 2.27% | 7.91% | -5.64% | 32nd below |
| Deposit Growth (Y/Y) | 0.53% | 6.29% | -5.76% | 26th below |
See United Prairie Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Prairie 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 Prairie Bank profile, how to read a UBPR, or how this data updates.