First State Bank of Harvey: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank of Harvey of Harvey, ND against its peer group of 506 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 | 0.95% | 3.14% | -2.19% | 45th below |
| ROAE | 12.00% | 10.30% | +1.70% | 67th above |
| Net Interest Margin | 3.07% | 3.94% | -0.87% | 16th bottom |
| Efficiency Ratio | 66.86% | 76.34% | -9.48% | 56th above |
| PPNR / Avg Assets | 0.95% | 1.40% | -0.45% | 37th below |
| Yield on Earning Assets | 4.31% | 5.36% | -1.05% | 18th bottom |
| Cost of Funds | 1.34% | 1.70% | -0.36% | 62nd above |
| Net Interest Spread | 2.46% | 3.32% | -0.86% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.14% | 1.34% | -0.20% | 28th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.42% | 0.71% | -0.29% | 35th below |
| NCO / Avg Loans | 0.43% | 0.10% | +0.33% | 5th bottom |
| ACL / Total Loans | 1.03% | 1.49% | -0.46% | 31st below |
| ACL / NPLs (Coverage) | 91.00% | 868.18% | -777.18% | 37th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.75% | 8.27% | -3.52% | 35th below |
| Provision / NCO | 0.00% | 291.83% | -291.83% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.40% | 17.66% | -7.26% | 22nd bottom |
| Equity / Assets | 8.52% | 16.47% | -7.95% | 13th bottom |
| TCE / Tangible Assets | 8.52% | 16.21% | -7.69% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.60% | 72.92% | -31.32% | 83rd top |
| Core Deposit Ratio | 94.06% | 88.26% | +5.80% | 68th above |
| Wholesale Funding Ratio | 1.18% | 5.21% | -4.03% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.32% | 4.26% | -1.94% | 47th below |
| Loan Growth (Y/Y) | 10.76% | 6.74% | +4.02% | 79th top |
| Deposit Growth (Y/Y) | -0.58% | 3.73% | -4.31% | 31st below |
See First State Bank of Harvey's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank of Harvey, 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 First State Bank of Harvey profile, how to read a UBPR, or how this data updates.