Visionbank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Visionbank of Saint Louis Park, 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 | 1.88% | 1.25% | +0.63% | 81st top |
| ROAE | 18.51% | 12.22% | +6.29% | 81st top |
| Net Interest Margin | 3.92% | 3.95% | -0.03% | 48th below |
| Efficiency Ratio | 39.50% | 63.71% | -24.21% | 96th top |
| PPNR / Avg Assets | 2.38% | — | — | 86th top |
| Yield on Earning Assets | 6.94% | 5.67% | +1.27% | 94th top |
| Cost of Funds | 3.36% | 1.87% | +1.49% | 2nd bottom |
| Net Interest Spread | 3.45% | — | — | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.81% | 0.88% | +0.93% | 14th bottom |
| NPA / Total Assets | 2.15% | — | — | 6th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.83% | — | — | 13th bottom |
| ACL / NPLs (Coverage) | 45.94% | — | — | 8th bottom |
| Texas Ratio | 20.39% | 5.96% | +14.43% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.47% | 17.18% | -4.71% | 22nd bottom |
| Tier 1 Ratio | 12.47% | 17.21% | -4.74% | 22nd bottom |
| Total Capital Ratio | 13.45% | — | — | 21st bottom |
| Leverage Ratio | 9.99% | 11.75% | -1.76% | 31st below |
| Equity / Assets | 9.81% | 10.98% | -1.17% | 40th below |
| TCE / Tangible Assets | 9.81% | — | — | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 122.41% | 80.44% | +41.97% | 1st bottom |
| Core Deposit Ratio | 68.74% | 86.95% | -18.21% | 4th bottom |
| Wholesale Funding Ratio | 17.30% | — | — | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.56% | — | — | 5th bottom |
| Loan Growth (Y/Y) | -3.74% | — | — | 10th bottom |
| Deposit Growth (Y/Y) | -4.98% | — | — | 6th bottom |
See Visionbank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Visionbank, 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 Visionbank 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 Visionbank peer analysis.