Valley Premier Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Valley Premier Bank of Hawley, MN against its peer group of 2757 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 | 1.37% | 1.25% | +0.12% | 55th above |
| ROAE | 15.51% | 12.22% | +3.29% | 68th above |
| Net Interest Margin | 3.71% | 3.95% | -0.24% | 37th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 63.12% | 63.71% | -0.59% | 44th below |
| PPNR / Avg Assets | 1.38% | — | — | 37th below |
| Yield on Earning Assets | 5.10% | 5.67% | -0.57% | 26th below |
| Cost of Funds | 1.53% | 1.87% | -0.34% | 68th above |
| Net Interest Spread | 3.13% | — | — | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.89% | — | — | 16th bottom |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.13% | 11.75% | -0.62% | 52nd above |
| Equity / Assets | 9.02% | 10.98% | -1.96% | 27th below |
| TCE / Tangible Assets | 9.02% | — | — | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.70% | 80.44% | -9.74% | 70th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.73% | 86.95% | +1.78% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.97% | — | — | 8th bottom |
| Loan Growth (Y/Y) | 5.84% | — | — | 52nd above |
| Deposit Growth (Y/Y) | -4.67% | — | — | 7th bottom |
See Valley Premier Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Valley Premier 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 Valley Premier Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Valley Premier Bank peer analysis.