Ascent Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ascent Bank of Helena, MT 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 | 1.31% | 1.25% | +0.06% | 52nd above |
| ROAE | 15.03% | 12.22% | +2.81% | 65th above |
| Net Interest Margin | 4.62% | 3.95% | +0.67% | 83rd top |
| Efficiency Ratio | 57.31% | 63.71% | -6.40% | 61st above |
| PPNR / Avg Assets | 1.91% | — | — | 67th above |
| Yield on Earning Assets | 6.27% | 5.67% | +0.60% | 79th top |
| Cost of Funds | 1.73% | 1.87% | -0.14% | 54th above |
| Net Interest Spread | 4.05% | — | — | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.51% | 0.88% | +1.63% | 8th bottom |
| NPA / Total Assets | 1.99% | — | — | 7th bottom |
| NCO / Avg Loans | 0.93% | 0.15% | +0.78% | 3rd bottom |
| ACL / Total Loans | 1.36% | — | — | 69th above |
| ACL / NPLs (Coverage) | 54.30% | — | — | 11th bottom |
| Texas Ratio | 21.51% | 5.96% | +15.55% | 5th bottom |
| Provision / NCO | 18.23% | — | — | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.41% | 17.18% | -4.77% | 21st bottom |
| Tier 1 Ratio | 12.41% | 17.21% | -4.80% | 21st bottom |
| Total Capital Ratio | 13.66% | — | — | 22nd bottom |
| Leverage Ratio | 8.69% | 11.75% | -3.06% | 8th bottom |
| Equity / Assets | 9.08% | 10.98% | -1.90% | 28th below |
| TCE / Tangible Assets | 8.24% | — | — | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.28% | 80.44% | +8.84% | 30th below |
| Core Deposit Ratio | 82.55% | 86.95% | -4.40% | 22nd bottom |
| Wholesale Funding Ratio | 1.92% | — | — | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.06% | — | — | 10th bottom |
| Loan Growth (Y/Y) | 0.54% | — | — | 24th bottom |
| Deposit Growth (Y/Y) | -1.60% | — | — | 15th bottom |
See Ascent Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ascent 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 Ascent 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 Ascent Bank peer analysis.