State Bank of Bellingham: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Bellingham of Bellingham, MN against its peer group of 536 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 | -0.43% | 0.82% | -1.25% | 0th bottom |
| ROAE | -3.90% | 4.81% | -8.71% | 0th bottom |
| Net Interest Margin | 1.87% | 3.95% | -2.08% | 0th bottom |
| Efficiency Ratio | 110.81% | 75.77% | +35.04% | 0th bottom |
| PPNR / Avg Assets | -0.53% | — | — | 0th bottom |
| Yield on Earning Assets | 4.36% | 5.44% | -1.08% | 6th bottom |
| Cost of Funds | 2.77% | 1.71% | +1.06% | 6th bottom |
| Net Interest Spread | 1.27% | — | — | 0th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.30% | 1.40% | +0.90% | 3rd bottom |
| NPA / Total Assets | 1.12% | — | — | 3rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.11% | -0.11% | 47th below |
| ACL / Total Loans | 1.30% | — | — | 53rd above |
| ACL / NPLs (Coverage) | 56.57% | — | — | 6th bottom |
| Texas Ratio | 16.44% | 8.94% | +7.50% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.13% | 24.84% | +0.29% | 60th above |
| Tier 1 Ratio | 25.13% | 24.84% | +0.29% | 60th above |
| Total Capital Ratio | 26.14% | — | — | 60th above |
| Leverage Ratio | 15.31% | 14.21% | +1.10% | 69th above |
| Equity / Assets | 10.72% | 13.16% | -2.44% | 44th below |
| TCE / Tangible Assets | 10.72% | — | — | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.83% | 69.13% | -11.30% | 56th above |
| Core Deposit Ratio | 81.69% | 88.78% | -7.09% | 16th bottom |
| Wholesale Funding Ratio | 5.00% | — | — | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.96% | — | — | 9th bottom |
| Loan Growth (Y/Y) | -13.95% | — | — | 6th bottom |
| Deposit Growth (Y/Y) | -4.98% | — | — | 12th bottom |
See State Bank of Bellingham's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Bellingham, 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 State Bank of Bellingham profile, how to read a UBPR, or how this data updates.