Bank of the Rockies: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of the Rockies of Helena, 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 | 2.04% | 1.34% | +0.70% | 86th top |
| ROAE | 21.26% | 13.32% | +7.94% | 90th top |
| Net Interest Margin | 5.06% | 3.93% | +1.13% | 93rd top |
| Efficiency Ratio | 62.14% | 61.13% | +1.01% | 48th below |
| PPNR / Avg Assets | 2.19% | 1.68% | +0.51% | 79th top |
| Yield on Earning Assets | 6.49% | 5.67% | +0.82% | 87th top |
| Cost of Funds | 1.53% | 1.88% | -0.35% | 68th above |
| Net Interest Spread | 4.88% | 3.32% | +1.56% | 97th 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. | 0.79% | 0.94% | -0.15% | 34th below |
| NPA / Total Assets | 0.71% | 0.70% | +0.01% | 29th below |
| NCO / Avg Loans | 0.17% | 0.16% | +0.01% | 14th bottom |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 35th below |
| ACL / NPLs (Coverage) | 136.13% | 1546.53% | -1410.40% | 37th below |
| Texas Ratio | 9.46% | 7.34% | +2.12% | 23rd bottom |
| Provision / NCO | 15.06% | 1395.43% | -1380.37% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.42% | 19.49% | -8.07% | 12th bottom |
| Tier 1 Ratio | 11.42% | 19.52% | -8.10% | 12th bottom |
| Total Capital Ratio | 12.60% | 20.61% | -8.01% | 12th bottom |
| Leverage Ratio | 9.37% | 12.14% | -2.77% | 19th bottom |
| Equity / Assets | 9.41% | 11.37% | -1.96% | 35th below |
| TCE / Tangible Assets | 8.95% | 11.08% | -2.13% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.90% | 80.66% | +12.24% | 23rd bottom |
| Core Deposit Ratio | 94.00% | 86.85% | +7.15% | 79th top |
| Wholesale Funding Ratio | 7.03% | 5.03% | +2.00% | 26th 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. | 6.25% | 6.84% | -0.59% | 64th above |
| Loan Growth (Y/Y) | 9.07% | 7.92% | +1.15% | 70th above |
| Deposit Growth (Y/Y) | 3.60% | 6.29% | -2.69% | 47th below |
See Bank of the Rockies's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of the Rockies, 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 the Rockies profile, how to read a UBPR, or how this data updates.