McIntosh County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks McIntosh County Bank of Ashley, 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 | 1.49% | 1.35% | +0.14% | 63rd above |
| ROAE | 16.31% | 12.05% | +4.26% | 73rd above |
| Net Interest Margin | 3.54% | 3.90% | -0.36% | 29th below |
| Efficiency Ratio | 56.34% | 63.15% | -6.81% | 65th above |
| PPNR / Avg Assets | 1.49% | 1.64% | -0.15% | 44th below |
| Yield on Earning Assets | 4.99% | 5.65% | -0.66% | 23rd bottom |
| Cost of Funds | 1.57% | 1.85% | -0.28% | 65th above |
| Net Interest Spread | 2.99% | 3.35% | -0.36% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 0.92% | -0.55% | 53rd above |
| NPA / Total Assets | 0.20% | 0.67% | -0.47% | 60th above |
| NCO / Avg Loans | -0.04% | 0.15% | -0.19% | 94th top |
| ACL / Total Loans | 2.44% | 1.28% | +1.16% | 96th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 665.52% | 1645.56% | -980.04% | 76th top |
| Texas Ratio | 1.80% | 7.15% | -5.35% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.01% | 12.46% | -1.45% | 51st above |
| Equity / Assets | 9.58% | 11.67% | -2.09% | 37th below |
| TCE / Tangible Assets | 9.58% | 11.40% | -1.82% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.81% | 78.65% | -18.84% | 83rd top |
| Core Deposit Ratio | 90.39% | 87.09% | +3.30% | 57th above |
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. | 5.15% | 6.47% | -1.32% | 56th above |
| Loan Growth (Y/Y) | -3.99% | 7.64% | -11.63% | 10th bottom |
| Deposit Growth (Y/Y) | 7.75% | 6.02% | +1.73% | 75th top |
See McIntosh County Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock McIntosh County 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 McIntosh County Bank profile, how to read a UBPR, or how this data updates.