Security First Bank of North Dakota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Security First Bank of North Dakota of New Salem, ND 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 | 1.92% | 1.34% | +0.58% | 83rd top |
| ROAE | 15.17% | 13.32% | +1.85% | 67th above |
| Net Interest Margin | 4.70% | 3.93% | +0.77% | 86th top |
| Efficiency Ratio | 61.57% | 61.13% | +0.44% | 49th below |
| PPNR / Avg Assets | 1.87% | 1.68% | +0.19% | 66th above |
| Yield on Earning Assets | 5.88% | 5.67% | +0.21% | 63rd above |
| Cost of Funds | 1.31% | 1.88% | -0.57% | 79th top |
| Net Interest Spread | 4.23% | 3.32% | +0.91% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 74th above |
| NPA / Total Assets | 0.81% | 0.70% | +0.11% | 26th below |
| NCO / Avg Loans | -0.13% | 0.16% | -0.29% | 98th top |
| ACL / Total Loans | 1.42% | 1.28% | +0.14% | 73rd above |
| ACL / NPLs (Coverage) | 1656.28% | 1546.09% | +110.19% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.80% | 7.34% | -1.54% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.99% | 12.14% | +0.85% | 75th top |
| Equity / Assets | 12.89% | 11.36% | +1.53% | 78th top |
| TCE / Tangible Assets | 12.89% | 11.08% | +1.81% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.97% | 80.66% | +13.31% | 21st bottom |
| Core Deposit Ratio | 93.11% | 86.85% | +6.26% | 74th above |
| Wholesale Funding Ratio | 1.79% | 5.04% | -3.25% | 71st 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. | 5.55% | 6.84% | -1.29% | 59th above |
| Loan Growth (Y/Y) | -0.09% | 7.92% | -8.01% | 22nd bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.89% | 6.29% | -1.40% | 57th above |
See Security First Bank of North Dakota's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Security First Bank of North Dakota, 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 Security First Bank of North Dakota profile, how to read a UBPR, or how this data updates.