Lincoln State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Lincoln State Bank of Hankinson, ND against its peer group of 2672 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 | 1.09% | 1.35% | -0.26% | 38th below |
| ROAE | 15.06% | 12.05% | +3.01% | 66th above |
| Net Interest Margin | 3.72% | 3.90% | -0.18% | 38th below |
| Efficiency Ratio | 67.93% | 63.15% | +4.78% | 33rd below |
| PPNR / Avg Assets | 1.09% | 1.64% | -0.55% | 24th bottom |
| Yield on Earning Assets | 4.92% | 5.65% | -0.73% | 20th bottom |
| Cost of Funds | 1.31% | 1.85% | -0.54% | 80th top |
| Net Interest Spread | 3.17% | 3.35% | -0.18% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 0.92% | -0.62% | 57th above |
| NPA / Total Assets | 0.16% | 0.67% | -0.51% | 64th above |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 93rd top |
| ACL / Total Loans | 1.49% | 1.28% | +0.21% | 77th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 502.02% | 1645.63% | -1143.61% | 71st above |
| Texas Ratio | 1.97% | 7.15% | -5.18% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.01% | 12.46% | -2.45% | 32nd below |
| Equity / Assets | 7.45% | 11.67% | -4.22% | 9th bottom |
| TCE / Tangible Assets | 7.44% | 11.40% | -3.96% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.59% | 78.65% | -19.06% | 84th top |
| Core Deposit Ratio | 91.88% | 87.09% | +4.79% | 66th above |
| Wholesale Funding Ratio | 2.37% | 5.11% | -2.74% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.95% | 6.47% | +3.48% | 83rd top |
| Loan Growth (Y/Y) | 4.06% | 7.64% | -3.58% | 43rd below |
| Deposit Growth (Y/Y) | 9.30% | 6.02% | +3.28% | 80th top |
See Lincoln State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Lincoln 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 Lincoln State Bank profile, how to read a UBPR, or how this data updates.