Cortrust Bank N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cortrust Bank N.A. of Mitchell, SD against its peer group of 931 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 | 0.50% | 1.44% | -0.94% | 9th bottom |
| ROAE | 5.62% | 12.51% | -6.89% | 12th bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.76% | 3.84% | -0.08% | 53rd above |
| Efficiency Ratio | 76.74% | 58.85% | +17.89% | 10th bottom |
| PPNR / Avg Assets | 0.99% | 1.78% | -0.79% | 15th bottom |
| Yield on Earning Assets | 5.24% | 5.71% | -0.47% | 31st below |
| Cost of Funds | 1.55% | 2.03% | -0.48% | 79th top |
| Net Interest Spread | 3.26% | 3.18% | +0.08% | 64th 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. | 0.77% | 0.96% | -0.19% | 42nd below |
| NPA / Total Assets | 0.50% | 0.75% | -0.25% | 50th above |
| NCO / Avg Loans | 0.73% | 0.30% | +0.43% | 6th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.25% | -0.06% | 58th above |
| ACL / NPLs (Coverage) | 155.33% | 699.44% | -544.11% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.27% | 7.16% | -1.89% | 47th below |
| Provision / NCO | 72.76% | 815.51% | -742.75% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.27% | 17.41% | -4.14% | 46th below |
| Tier 1 Ratio | 13.27% | 17.45% | -4.18% | 46th below |
| Total Capital Ratio | 14.30% | 18.51% | -4.21% | 44th below |
| Leverage Ratio | 9.92% | 11.60% | -1.68% | 35th below |
| Equity / Assets | 8.88% | 11.33% | -2.45% | 20th bottom |
| TCE / Tangible Assets | 8.70% | 10.65% | -1.95% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.77% | 86.37% | -12.60% | 81st top |
| Core Deposit Ratio | 91.93% | 85.55% | +6.38% | 68th above |
| Uninsured Deposit Ratio | 20.77% | 32.72% | -11.95% | 82nd top |
| Wholesale Funding Ratio | 2.50% | 5.46% | -2.96% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.36% | 10.46% | -7.10% | 37th below |
| Loan Growth (Y/Y) | 0.34% | 8.00% | -7.66% | 18th bottom |
| Deposit Growth (Y/Y) | 8.03% | 7.98% | +0.05% | 67th above |
See Cortrust Bank N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cortrust Bank N.A., 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 Cortrust Bank N.A. profile, how to read a UBPR, or how this data updates.