Starion Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Starion Bank of Bismarck, ND against its peer group of 931 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 | 1.14% | 1.44% | -0.30% | 39th below |
| ROAE | 13.98% | 12.50% | +1.48% | 62nd above |
| Net Interest Margin | 2.97% | 3.84% | -0.87% | 14th bottom |
| Efficiency Ratio | 63.94% | 58.87% | +5.07% | 34th below |
| PPNR / Avg Assets | 1.23% | 1.78% | -0.55% | 24th bottom |
| Yield on Earning Assets | 4.79% | 5.71% | -0.92% | 13th bottom |
| Cost of Funds | 1.99% | 2.03% | -0.04% | 53rd above |
| Net Interest Spread | 2.45% | 3.18% | -0.73% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.63% | 0.96% | +0.67% | 16th bottom |
| NPA / Total Assets | 1.00% | 0.75% | +0.25% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.31% | -0.25% | 39th below |
| ACL / Total Loans | 1.51% | 1.25% | +0.26% | 87th top |
| ACL / NPLs (Coverage) | 92.63% | 699.51% | -606.88% | 26th below |
| Texas Ratio | 11.01% | 7.16% | +3.85% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.03% | 17.41% | -3.38% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.03% | 17.45% | -3.42% | 59th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.29% | 18.50% | -3.21% | 61st above |
| Leverage Ratio | 9.45% | 11.60% | -2.15% | 22nd bottom |
| Equity / Assets | 8.39% | 11.33% | -2.94% | 11th bottom |
| TCE / Tangible Assets | 8.17% | 10.65% | -2.48% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.47% | 86.37% | -15.90% | 85th top |
| Core Deposit Ratio | 88.55% | 85.55% | +3.00% | 51st above |
| Uninsured Deposit Ratio | 44.60% | 32.69% | +11.91% | 18th bottom |
| Wholesale Funding Ratio | 3.90% | 5.45% | -1.55% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.65% | 10.47% | -9.82% | 19th bottom |
| Loan Growth (Y/Y) | 5.47% | 8.00% | -2.53% | 49th below |
| Deposit Growth (Y/Y) | 3.54% | 7.98% | -4.44% | 41st below |
See Starion Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Starion 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 Starion Bank profile, how to read a UBPR, or how this data updates.