Bank of Bozeman: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Bozeman of Bozeman, MT 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 | 0.81% | 1.34% | -0.53% | 24th bottom |
| ROAE | 8.05% | 13.32% | -5.27% | 26th below |
| Net Interest Margin | 4.23% | 3.93% | +0.30% | 66th above |
| Efficiency Ratio | 76.84% | 61.13% | +15.71% | 17th bottom |
| PPNR / Avg Assets | 1.01% | 1.68% | -0.67% | 21st bottom |
| Yield on Earning Assets | 6.16% | 5.67% | +0.49% | 76th top |
| Cost of Funds | 2.02% | 1.88% | +0.14% | 36th below |
| Net Interest Spread | 3.68% | 3.32% | +0.36% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 0.94% | -0.63% | 57th above |
| NPA / Total Assets | 0.23% | 0.70% | -0.47% | 57th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.49% | 1.28% | +0.21% | 78th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 477.02% | 1546.24% | -1069.22% | 70th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.58% | 7.34% | -2.76% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.55% | 19.49% | -6.94% | 23rd bottom |
| Tier 1 Ratio | 12.55% | 19.52% | -6.97% | 23rd bottom |
| Total Capital Ratio | 13.80% | 20.61% | -6.81% | 24th bottom |
| Leverage Ratio | 10.20% | 12.14% | -1.94% | 35th below |
| Equity / Assets | 10.17% | 11.36% | -1.19% | 48th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.17% | 11.08% | -0.91% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.27% | 80.66% | +1.61% | 47th below |
| Core Deposit Ratio | 85.94% | 86.85% | -0.91% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.43% | 6.84% | -2.41% | 50th above |
| Loan Growth (Y/Y) | 0.76% | 7.92% | -7.16% | 25th below |
| Deposit Growth (Y/Y) | 11.72% | 6.29% | +5.43% | 87th top |
See Bank of Bozeman's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Bozeman, 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 Bozeman profile, how to read a UBPR, or how this data updates.