The Dart Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Dart Bank of Mason, MI 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 | 0.94% | 1.46% | -0.52% | 26th below |
| ROAE | 10.93% | 12.72% | -1.79% | 40th below |
| Net Interest Margin | 4.45% | 3.85% | +0.60% | 87th top |
| Efficiency Ratio | 84.89% | 57.39% | +27.50% | 4th bottom |
| PPNR / Avg Assets | 1.21% | 1.88% | -0.67% | 24th bottom |
| Yield on Earning Assets | 6.25% | 5.72% | +0.53% | 83rd top |
| Cost of Funds | 1.79% | 2.02% | -0.23% | 63rd above |
| Net Interest Spread | 3.57% | 3.18% | +0.39% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.10% | 1.00% | +1.10% | 10th bottom |
| NPA / Total Assets | 1.66% | 0.76% | +0.90% | 10th bottom |
| NCO / Avg Loans | -0.05% | 0.43% | -0.48% | 97th top |
| ACL / Total Loans | 0.95% | 1.31% | -0.36% | 25th below |
| ACL / NPLs (Coverage) | 45.48% | 543.64% | -498.16% | 7th bottom |
| Texas Ratio | 19.39% | 7.38% | +12.01% | 7th bottom |
| Provision / NCO | 0.00% | 619.02% | -619.02% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.15% | 17.34% | -6.19% | 12th bottom |
| Tier 1 Ratio | 11.15% | 17.37% | -6.22% | 12th bottom |
| Total Capital Ratio | 12.40% | 18.42% | -6.02% | 15th bottom |
| Leverage Ratio | 8.65% | 11.44% | -2.79% | 7th bottom |
| Equity / Assets | 8.07% | 11.34% | -3.27% | 7th bottom |
| TCE / Tangible Assets | 7.88% | 10.50% | -2.62% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.88% | 86.95% | +4.93% | 38th below |
| Core Deposit Ratio | 72.85% | 85.56% | -12.71% | 11th bottom |
| Uninsured Deposit Ratio | 40.54% | 33.12% | +7.42% | 25th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.62% | 5.70% | -1.08% | 44th 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. | 7.56% | 9.68% | -2.12% | 66th above |
| Loan Growth (Y/Y) | -0.55% | 8.06% | -8.61% | 15th bottom |
| Deposit Growth (Y/Y) | 10.18% | 7.87% | +2.31% | 75th top |
See The Dart Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Dart Bank, 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 Dart Bank profile, how to read a UBPR, or how this data updates.