The Bank of Baker: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Baker of Baker, MT against its peer group of 2672 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 | 1.50% | 1.34% | +0.16% | 63rd above |
| ROAE | 14.00% | 13.31% | +0.69% | 60th above |
| Net Interest Margin | 4.21% | 3.93% | +0.28% | 65th above |
| Efficiency Ratio | 64.64% | 61.14% | +3.50% | 40th below |
| PPNR / Avg Assets | 1.46% | 1.68% | -0.22% | 42nd below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.67% | -0.04% | 51st above |
| Cost of Funds | 1.49% | 1.88% | -0.39% | 69th above |
| Net Interest Spread | 3.40% | 3.32% | +0.08% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.69% | 0.94% | -0.25% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.50% | 0.70% | -0.20% | 38th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 41st below |
| ACL / Total Loans | 1.42% | 1.28% | +0.14% | 73rd above |
| ACL / NPLs (Coverage) | 205.15% | 1538.90% | -1333.75% | 49th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.36% | 7.33% | -2.97% | 45th below |
| Provision / NCO | 56.25% | 1395.81% | -1339.56% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.85% | 12.14% | -1.29% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.96% | 11.37% | -0.41% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.96% | 11.09% | -0.13% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.27% | 80.64% | -17.37% | 79th top |
| Core Deposit Ratio | 93.83% | 86.86% | +6.97% | 78th top |
| Wholesale Funding Ratio | 0.31% | 5.03% | -4.72% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.09% | 6.85% | -4.76% | 33rd below |
| Loan Growth (Y/Y) | 4.49% | 7.90% | -3.41% | 45th below |
| Deposit Growth (Y/Y) | 1.91% | 6.29% | -4.38% | 35th below |
See The Bank of Baker's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Baker, 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 The Bank of Baker profile, how to read a UBPR, or how this data updates.