Vergas State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Vergas State Bank of Vergas, 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. | 1.65% | 3.14% | -1.49% | 74th above |
| ROAE | 11.02% | 10.42% | +0.60% | 63rd above |
| Net Interest Margin | 4.45% | 3.93% | +0.52% | 73rd above |
| Efficiency Ratio | 57.94% | 76.33% | -18.39% | 74th above |
| PPNR / Avg Assets | 1.84% | 1.40% | +0.44% | 74th above |
| Yield on Earning Assets | 5.79% | 5.35% | +0.44% | 70th above |
| Cost of Funds | 1.53% | 1.70% | -0.17% | 50th above |
| Net Interest Spread | 3.77% | 3.31% | +0.46% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 1.34% | -1.18% | 55th above |
| NPA / Total Assets | 0.09% | 0.71% | -0.62% | 53rd above |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.21% | 1.49% | -0.28% | 47th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 758.93% | 864.41% | -105.48% | 85th top |
| Texas Ratio | 0.60% | 8.26% | -7.66% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 15.27% | 17.61% | -2.34% | 66th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.74% | 16.43% | -1.69% | 65th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.74% | 16.18% | -1.44% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 68.17% | 72.84% | -4.67% | 48th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.29% | 88.21% | +2.08% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.85% | 4.30% | +4.55% | 79th top |
| Loan Growth (Y/Y) | 18.07% | 6.70% | +11.37% | 90th top |
| Deposit Growth (Y/Y) | 8.77% | 3.76% | +5.01% | 80th top |
See Vergas State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Vergas State 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 Vergas State Bank profile, how to read a UBPR, or how this data updates.