Bankstar Financial: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bankstar Financial of Elkton, SD 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 | 1.77% | 1.34% | +0.43% | 77th top |
| ROAE | 18.95% | 13.32% | +5.63% | 83rd top |
| Net Interest Margin | 4.10% | 3.93% | +0.17% | 59th above |
| Efficiency Ratio | 50.24% | 61.13% | -10.89% | 80th top |
| PPNR / Avg Assets | 2.03% | 1.68% | +0.35% | 74th above |
| Yield on Earning Assets | 6.46% | 5.67% | +0.79% | 86th top |
| Cost of Funds | 2.50% | 1.88% | +0.62% | 15th bottom |
| Net Interest Spread | 3.46% | 3.32% | +0.14% | 57th 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. | 0.64% | 0.94% | -0.30% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.51% | 0.70% | -0.19% | 38th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 79th top |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 33rd below |
| ACL / NPLs (Coverage) | 163.73% | 1546.65% | -1382.92% | 42nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.15% | 7.34% | -2.19% | 40th below |
| Provision / NCO | 30000.00% | 1379.58% | +28620.42% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.02% | 19.49% | -7.47% | 18th bottom |
| Tier 1 Ratio | 12.02% | 19.52% | -7.50% | 18th bottom |
| Total Capital Ratio | 13.08% | 20.61% | -7.53% | 17th bottom |
| Leverage Ratio | 9.42% | 12.14% | -2.72% | 20th bottom |
| Equity / Assets | 9.58% | 11.37% | -1.79% | 38th below |
| TCE / Tangible Assets | 9.03% | 11.08% | -2.05% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.23% | 80.66% | +13.57% | 20th bottom |
| Core Deposit Ratio | 82.73% | 86.85% | -4.12% | 23rd bottom |
| Wholesale Funding Ratio | 6.66% | 5.03% | +1.63% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.79% | 6.84% | +3.95% | 85th top |
| Loan Growth (Y/Y) | 11.64% | 7.92% | +3.72% | 78th top |
| Deposit Growth (Y/Y) | 12.93% | 6.29% | +6.64% | 88th top |
See Bankstar Financial's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bankstar Financial, 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 Bankstar Financial profile, how to read a UBPR, or how this data updates.