Wadena State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wadena State Bank of Wadena, 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 | 2.12% | 1.34% | +0.78% | 88th top |
| ROAE | 25.15% | 13.31% | +11.84% | 96th top |
| Net Interest Margin | 4.33% | 3.93% | +0.40% | 72nd above |
| Efficiency Ratio | 49.55% | 61.14% | -11.59% | 81st top |
| PPNR / Avg Assets | 2.29% | 1.68% | +0.61% | 83rd top |
| Yield on Earning Assets | 5.70% | 5.67% | +0.03% | 55th above |
| Cost of Funds | 1.50% | 1.88% | -0.38% | 69th above |
| Net Interest Spread | 3.79% | 3.32% | +0.47% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 85th top |
| NPA / Total Assets | 0.05% | 0.70% | -0.65% | 77th top |
| NCO / Avg Loans | -0.06% | 0.16% | -0.22% | 95th top |
| ACL / Total Loans | 0.95% | 1.28% | -0.33% | 21st bottom |
| ACL / NPLs (Coverage) | 15687.50% | 1535.58% | +14151.92% | — |
| Texas Ratio | 0.87% | 7.33% | -6.46% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.84% | 12.14% | -2.30% | 28th below |
| Equity / Assets | 8.67% | 11.37% | -2.70% | 22nd bottom |
| TCE / Tangible Assets | 8.07% | 11.09% | -3.02% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.04% | 80.64% | -10.60% | 70th above |
| Core Deposit Ratio | 93.24% | 86.86% | +6.38% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.07% | 6.85% | -5.78% | 26th below |
| Loan Growth (Y/Y) | -2.19% | 7.90% | -10.09% | 14th bottom |
| Deposit Growth (Y/Y) | 3.08% | 6.29% | -3.21% | 43rd below |
See Wadena State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wadena 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 Wadena State Bank profile, how to read a UBPR, or how this data updates.