Commercial Bank of Mott: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial Bank of Mott of Mott, ND 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 | 1.80% | 1.34% | +0.46% | 78th top |
| ROAE | 14.64% | 13.32% | +1.32% | 64th above |
| Net Interest Margin | 3.13% | 3.93% | -0.80% | 14th bottom |
| Efficiency Ratio | 40.46% | 61.13% | -20.67% | 95th top |
| PPNR / Avg Assets | 1.87% | 1.68% | +0.19% | 66th above |
| Yield on Earning Assets | 5.20% | 5.67% | -0.47% | 31st below |
| Cost of Funds | 2.29% | 1.88% | +0.41% | 22nd bottom |
| Net Interest Spread | 2.72% | 3.32% | -0.60% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 81st top |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 23rd bottom |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.10% | 12.14% | +0.96% | 76th top |
| Equity / Assets | 12.63% | 11.36% | +1.27% | 76th top |
| TCE / Tangible Assets | 12.63% | 11.08% | +1.55% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.67% | 80.66% | +10.01% | 27th below |
| Core Deposit Ratio | 77.44% | 86.85% | -9.41% | 12th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.62% | 5.04% | -1.42% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.79% | 6.84% | -12.63% | 4th bottom |
| Loan Growth (Y/Y) | -6.16% | 7.92% | -14.08% | 6th bottom |
| Deposit Growth (Y/Y) | 1.63% | 6.29% | -4.66% | 33rd below |
See Commercial Bank of Mott's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commercial Bank of Mott, 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 Commercial Bank of Mott profile, how to read a UBPR, or how this data updates.