Bank of Billings: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Billings of Billings, MO 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 | 1.01% | 1.34% | -0.33% | 34th below |
| ROAE | 8.31% | 13.31% | -5.00% | 27th below |
| Net Interest Margin | 5.26% | 3.93% | +1.33% | 95th top |
| Efficiency Ratio | 71.93% | 61.14% | +10.79% | 24th bottom |
| PPNR / Avg Assets | 1.42% | 1.68% | -0.26% | 40th below |
| Yield on Earning Assets | 6.99% | 5.67% | +1.32% | 95th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.88% | -0.06% | 49th below |
| Net Interest Spread | 4.40% | 3.32% | +1.08% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.91% | 0.94% | -0.03% | 30th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.68% | 0.70% | -0.02% | 30th below |
| NCO / Avg Loans | 0.16% | 0.16% | +0.00% | 15th bottom |
| ACL / Total Loans | 0.84% | 1.28% | -0.44% | 13th bottom |
| ACL / NPLs (Coverage) | 92.63% | 1538.83% | -1446.20% | 25th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.81% | 7.33% | -0.52% | 32nd below |
| Provision / NCO | 63.27% | 1395.69% | -1332.42% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.88% | 12.14% | -2.26% | 29th below |
| Equity / Assets | 12.28% | 11.37% | +0.91% | 73rd above |
| TCE / Tangible Assets | 9.70% | 11.09% | -1.39% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.62% | 80.64% | +5.98% | 36th below |
| Core Deposit Ratio | 96.01% | 86.86% | +9.15% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.10% | 6.85% | +4.25% | 86th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.30% | 7.90% | -0.60% | 62nd above |
| Deposit Growth (Y/Y) | 12.20% | 6.29% | +5.91% | 88th top |
See Bank of Billings's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Billings, 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 Bank of Billings profile, how to read a UBPR, or how this data updates.