Rolette State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Rolette State Bank of Rolette, 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 | 1.60% | 0.85% | +0.75% | 71st above |
| ROAE | 16.50% | 5.23% | +11.27% | 84th top |
| Net Interest Margin | 4.83% | 3.94% | +0.89% | 82nd top |
| Efficiency Ratio | 66.77% | 76.13% | -9.36% | 56th above |
| PPNR / Avg Assets | 1.60% | — | — | 64th above |
| Yield on Earning Assets | 6.35% | 5.42% | +0.93% | 86th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.60% | 1.69% | -0.09% | 48th below |
| Net Interest Spread | 4.22% | — | — | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 1.23% | -1.19% | 69th above |
| NPA / Total Assets | 0.03% | — | — | 63rd above |
| NCO / Avg Loans | -0.01% | 0.11% | -0.12% | 81st top |
| ACL / Total Loans | 0.99% | — | — | 27th below |
| ACL / NPLs (Coverage) | 2460.00% | — | — | — |
| Texas Ratio | 0.27% | 7.23% | -6.96% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.87% | 14.13% | -4.26% | 16th bottom |
| Equity / Assets | 10.12% | 13.07% | -2.95% | 26th below |
| TCE / Tangible Assets | 10.12% | — | — | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.21% | 68.58% | +12.63% | 29th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.29% | 88.79% | +1.50% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.98% | — | — | 79th top |
| Loan Growth (Y/Y) | 4.81% | — | — | 58th above |
| Deposit Growth (Y/Y) | 9.29% | — | — | 80th top |
See Rolette State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Rolette 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 Rolette State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Rolette State Bank peer analysis.