Worthington Federal Savings Bank, F.S.B.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Worthington Federal Savings Bank, F.S.B. of Worthington, MN against its peer group of 2603 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 | 0.62% | 1.34% | -0.72% | 16th bottom |
| ROAE | 4.23% | 13.32% | -9.09% | 12th bottom |
| Net Interest Margin | 2.90% | 3.93% | -1.03% | 8th bottom |
| Efficiency Ratio | 69.78% | 61.13% | +8.65% | 28th below |
| PPNR / Avg Assets | 0.89% | 1.68% | -0.79% | 17th bottom |
| Yield on Earning Assets | 4.82% | 5.67% | -0.85% | 17th bottom |
| Cost of Funds | 2.01% | 1.88% | +0.13% | 36th below |
| Net Interest Spread | 2.57% | 3.32% | -0.75% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.35% | 0.94% | -0.59% | 54th above |
| NPA / Total Assets | 0.23% | 0.70% | -0.47% | 57th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.60% | 1.28% | -0.68% | 5th bottom |
| ACL / NPLs (Coverage) | 172.03% | 1546.32% | -1374.29% | 43rd below |
| Texas Ratio | 2.89% | 7.34% | -4.45% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 31.06% | 19.48% | +11.58% | 93rd top |
| Tier 1 Ratio | 31.06% | 19.52% | +11.54% | 93rd top |
| Total Capital Ratio | 31.89% | 20.60% | +11.29% | 93rd top |
| Leverage Ratio | 14.83% | 12.14% | +2.69% | 86th top |
| Equity / Assets | 14.65% | 11.36% | +3.29% | 87th top |
| TCE / Tangible Assets | 14.47% | 11.08% | +3.39% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.41% | 80.66% | -2.25% | 55th above |
| Core Deposit Ratio | 92.36% | 86.85% | +5.51% | 70th above |
| Wholesale Funding Ratio | 0.92% | 5.04% | -4.12% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 27.34% | 6.84% | +20.50% | 97th top |
| Loan Growth (Y/Y) | 20.08% | 7.92% | +12.16% | 93rd top |
| Deposit Growth (Y/Y) | 30.04% | 6.29% | +23.75% | 97th top |
See Worthington Federal Savings Bank, F.S.B.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Worthington Federal Savings Bank, F.S.B., 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 Worthington Federal Savings Bank, F.S.B. profile, how to read a UBPR, or how this data updates.