Sandhills State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sandhills State Bank of North Platte, NE against its peer group of 2603 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 | 1.51% | 1.34% | +0.17% | 64th above |
| ROAE | 16.96% | 13.32% | +3.64% | 75th top |
| Net Interest Margin | 4.09% | 3.93% | +0.16% | 58th above |
| Efficiency Ratio | 59.73% | 61.13% | -1.40% | 55th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.59% | 1.68% | -0.09% | 50th above |
| Yield on Earning Assets | 5.54% | 5.67% | -0.13% | 47th below |
| Cost of Funds | 1.54% | 1.88% | -0.34% | 67th above |
| Net Interest Spread | 3.64% | 3.32% | +0.32% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.94% | -0.79% | 68th above |
| NPA / Total Assets | 0.11% | 0.70% | -0.59% | 68th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 37th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 711.29% | 1546.46% | -835.17% | 77th top |
| Texas Ratio | 1.54% | 7.34% | -5.80% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.78% | 19.49% | -8.71% | 7th bottom |
| Tier 1 Ratio | 10.78% | 19.52% | -8.74% | 6th bottom |
| Total Capital Ratio | 11.82% | 20.61% | -8.79% | 7th bottom |
| Leverage Ratio | 8.42% | 12.14% | -3.72% | 5th bottom |
| Equity / Assets | 8.86% | 11.37% | -2.51% | 25th below |
| TCE / Tangible Assets | 7.09% | 11.09% | -4.00% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.22% | 80.66% | -0.44% | 51st above |
| Core Deposit Ratio | 93.56% | 86.85% | +6.71% | 77th top |
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. | 6.10% | 6.84% | -0.74% | 63rd above |
| Loan Growth (Y/Y) | 3.32% | 7.92% | -4.60% | 38th below |
| Deposit Growth (Y/Y) | 13.52% | 6.29% | +7.23% | 89th top |
See Sandhills State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sandhills 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 Sandhills State Bank profile, how to read a UBPR, or how this data updates.