The Bank of Tioga: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Tioga of Tioga, ND 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 | 0.05% | 1.34% | -1.29% | 5th bottom |
| ROAE | 2.50% | 13.32% | -10.82% | 8th bottom |
| Net Interest Margin | 2.52% | 3.93% | -1.41% | 3rd bottom |
| Efficiency Ratio | 77.63% | 61.13% | +16.50% | 16th bottom |
| PPNR / Avg Assets | 0.37% | 1.68% | -1.31% | 6th bottom |
| Yield on Earning Assets | 4.88% | 5.67% | -0.79% | 19th bottom |
| Cost of Funds | 2.32% | 1.88% | +0.44% | 21st bottom |
| Net Interest Spread | 2.33% | 3.32% | -0.99% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.96% | 0.94% | +0.02% | 29th below |
| NPA / Total Assets | 0.32% | 0.70% | -0.38% | 50th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 41st below |
| ACL / Total Loans | 0.89% | 1.28% | -0.39% | 16th bottom |
| ACL / NPLs (Coverage) | 93.04% | 1539.30% | -1446.26% | 25th below |
| Texas Ratio | 16.01% | 7.33% | +8.68% | 11th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 157.14% | 1396.24% | -1239.10% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.38% | 19.50% | -4.12% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.38% | 19.54% | -4.16% | 52nd above |
| Total Capital Ratio | 15.89% | 20.62% | -4.73% | 46th below |
| Leverage Ratio | 9.39% | 12.14% | -2.75% | 19th bottom |
| Equity / Assets | 2.08% | 11.38% | -9.30% | 0th bottom |
| TCE / Tangible Assets | 2.08% | 11.10% | -9.02% | 0th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 34.32% | 80.65% | -46.33% | 97th top |
| Core Deposit Ratio | 61.28% | 86.87% | -25.59% | 2nd bottom |
| Wholesale Funding Ratio | 0.01% | 5.04% | -5.03% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.99% | 6.86% | -10.85% | 6th bottom |
| Loan Growth (Y/Y) | 18.12% | 7.90% | +10.22% | 91st top |
| Deposit Growth (Y/Y) | -4.36% | 6.29% | -10.65% | 8th bottom |
See The Bank of Tioga'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 Tioga, 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 Tioga profile, how to read a UBPR, or how this data updates.