Kindred State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Kindred State Bank of Kindred, ND against its peer group of 578 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 | 1.20% | 0.85% | +0.35% | 58th above |
| ROAE | 14.69% | 5.23% | +9.46% | 79th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.88% | 3.94% | -0.06% | 50th above |
| Efficiency Ratio | 65.31% | 74.96% | -9.65% | 60th above |
| PPNR / Avg Assets | 1.34% | — | — | 55th above |
| Yield on Earning Assets | 4.89% | 5.42% | -0.53% | 36th below |
| Cost of Funds | 1.08% | 1.69% | -0.61% | 75th top |
| Net Interest Spread | 3.49% | — | — | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 1.34% | -1.21% | 57th above |
| NPA / Total Assets | 0.07% | — | — | 55th above |
| NCO / Avg Loans | 0.23% | 0.11% | +0.12% | 9th bottom |
| ACL / Total Loans | 0.66% | — | — | 8th bottom |
| ACL / NPLs (Coverage) | 510.34% | — | — | 80th top |
| Texas Ratio | 0.73% | 7.23% | -6.50% | 56th above |
| Provision / NCO | 0.00% | — | — | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.33% | 25.12% | -8.79% | 28th below |
| Tier 1 Ratio | 16.33% | 25.12% | -8.79% | 28th below |
| Total Capital Ratio | 17.04% | — | — | 26th below |
| Leverage Ratio | 8.35% | 14.13% | -5.78% | 5th bottom |
| Equity / Assets | 8.83% | 13.07% | -4.24% | 14th bottom |
| TCE / Tangible Assets | 8.83% | — | — | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.02% | 68.58% | -11.56% | 64th above |
| Core Deposit Ratio | 97.04% | 88.79% | +8.25% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.48% | — | — | 26th below |
| Loan Growth (Y/Y) | 1.57% | — | — | 46th below |
| Deposit Growth (Y/Y) | -1.24% | — | — | 25th below |
See Kindred State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Kindred State 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 Kindred State Bank profile, how to read a UBPR, or how this data updates.