American Federal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Federal Bank of Fargo, ND 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 | 1.23% | 1.34% | -0.11% | 48th below |
| ROAE | 13.69% | 13.32% | +0.37% | 58th above |
| Net Interest Margin | 4.16% | 3.93% | +0.23% | 62nd above |
| Efficiency Ratio | 70.49% | 61.12% | +9.37% | 27th below |
| PPNR / Avg Assets | 1.35% | 1.68% | -0.33% | 36th below |
| Yield on Earning Assets | 5.90% | 5.67% | +0.23% | 64th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.88% | -0.05% | 48th below |
| Net Interest Spread | 3.70% | 3.32% | +0.38% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 81st top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 30th below |
| ACL / NPLs (Coverage) | 2780.08% | 1545.08% | +1235.00% | — |
| Texas Ratio | 0.33% | 7.34% | -7.01% | 83rd top |
| Provision / NCO | 13200.00% | 1381.05% | +11818.95% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.92% | 19.49% | -6.57% | 27th below |
| Tier 1 Ratio | 12.92% | 19.53% | -6.61% | 26th below |
| Total Capital Ratio | 14.17% | 20.61% | -6.44% | 28th below |
| Leverage Ratio | 9.32% | 12.14% | -2.82% | 18th bottom |
| Equity / Assets | 8.96% | 11.37% | -2.41% | 27th below |
| TCE / Tangible Assets | 8.96% | 11.09% | -2.13% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 111.32% | 80.64% | +30.68% | 3rd bottom |
| Core Deposit Ratio | 89.67% | 86.85% | +2.82% | 53rd above |
| Wholesale Funding Ratio | 13.17% | 5.03% | +8.14% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.67% | 6.84% | -3.17% | 44th below |
| Loan Growth (Y/Y) | 3.88% | 7.92% | -4.04% | 41st below |
| Deposit Growth (Y/Y) | -0.36% | 6.29% | -6.65% | 21st bottom |
See American Federal Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Federal 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 American Federal Bank profile, how to read a UBPR, or how this data updates.