Aspire Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Aspire Bank of Fargo, ND against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.04% | 3.14% | -2.10% | 50th above |
| ROAE Behind the peer average, ahead of the median peer. | 8.58% | 10.42% | -1.84% | 51st above |
| Net Interest Margin | 4.39% | 3.93% | +0.46% | 72nd above |
| Efficiency Ratio | 69.30% | 76.31% | -7.01% | 51st above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.39% | 1.40% | -0.01% | 57th above |
| Yield on Earning Assets | 6.42% | 5.35% | +1.07% | 87th top |
| Cost of Funds | 2.39% | 1.70% | +0.69% | 17th bottom |
| Net Interest Spread | 3.79% | 3.31% | +0.48% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | -0.01% | 0.11% | -0.12% | 82nd top |
| ACL / Total Loans | 1.02% | 1.49% | -0.47% | 29th below |
| Texas Ratio | 0.03% | 8.26% | -8.23% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.40% | 17.61% | -6.21% | 33rd below |
| Equity / Assets | 11.99% | 16.43% | -4.44% | 46th below |
| TCE / Tangible Assets | 11.16% | 16.18% | -5.02% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 110.88% | 72.76% | +38.12% | 4th bottom |
| Core Deposit Ratio | 93.31% | 88.21% | +5.10% | 62nd above |
| Wholesale Funding Ratio | 7.39% | 5.27% | +2.12% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.23% | 4.32% | -8.55% | 14th bottom |
| Loan Growth (Y/Y) | -4.99% | 6.74% | -11.73% | 20th bottom |
| Deposit Growth (Y/Y) | -5.39% | 3.79% | -9.18% | 13th bottom |
See Aspire Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Aspire 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 Aspire Bank profile, how to read a UBPR, or how this data updates.