Welcome State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Welcome State Bank of Welcome, MN against its peer group of 578 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 | 2.90% | 0.85% | +2.05% | 91st top |
| ROAE | 22.92% | 5.23% | +17.69% | 94th top |
| Net Interest Margin | 4.61% | 3.94% | +0.67% | 79th top |
| Efficiency Ratio | 39.57% | 76.13% | -36.56% | 97th top |
| PPNR / Avg Assets | 3.29% | — | — | 94th top |
| Yield on Earning Assets | 6.03% | 5.42% | +0.61% | 77th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.58% | 1.69% | -0.11% | 49th below |
| Net Interest Spread | 3.69% | — | — | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.23% | -1.23% | 86th top |
| NPA / Total Assets | 0.00% | — | — | 83rd top |
| NCO / Avg Loans | -0.07% | 0.11% | -0.18% | 92nd top |
| ACL / Total Loans | 1.55% | — | — | 71st above |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.81% | 14.13% | -1.32% | 47th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.95% | 13.07% | -0.12% | 53rd above |
| TCE / Tangible Assets | 12.95% | — | — | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.20% | 68.58% | +11.62% | 30th below |
| Core Deposit Ratio | 94.35% | 88.79% | +5.56% | 69th above |
| Wholesale Funding Ratio | 0.63% | — | — | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.39% | — | — | 52nd above |
| Loan Growth (Y/Y) | 1.47% | — | — | 45th below |
| Deposit Growth (Y/Y) | 4.35% | — | — | 61st above |
See Welcome State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Welcome 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 Welcome State 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 Welcome State Bank peer analysis.