State Bank of Bottineau: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Bottineau of Bottineau, 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 Behind the peer average, ahead of the median peer. | 1.26% | 1.34% | -0.08% | 50th above |
| ROAE | 15.09% | 13.32% | +1.77% | 66th above |
| Net Interest Margin | 4.06% | 3.93% | +0.13% | 56th above |
| Efficiency Ratio | 66.59% | 61.13% | +5.46% | 36th below |
| PPNR / Avg Assets | 1.34% | 1.68% | -0.34% | 36th below |
| Yield on Earning Assets | 6.30% | 5.67% | +0.63% | 81st top |
| Cost of Funds | 2.28% | 1.88% | +0.40% | 22nd bottom |
| Net Interest Spread | 3.44% | 3.32% | +0.12% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.94% | -0.88% | 77th top |
| NPA / Total Assets | 0.05% | 0.70% | -0.65% | 77th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.71% | 1.28% | +0.43% | 87th top |
| ACL / NPLs (Coverage) | 2911.86% | 1545.95% | +1365.91% | — |
| Texas Ratio | 0.51% | 7.34% | -6.83% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.51% | 19.49% | -8.98% | 5th bottom |
| Tier 1 Ratio | 10.51% | 19.52% | -9.01% | 5th bottom |
| Total Capital Ratio | 11.77% | 20.61% | -8.84% | 6th bottom |
| Leverage Ratio | 8.46% | 12.14% | -3.68% | 6th bottom |
| Equity / Assets | 8.43% | 11.37% | -2.94% | 19th bottom |
| TCE / Tangible Assets | 8.43% | 11.08% | -2.65% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.15% | 80.66% | +21.49% | 9th bottom |
| Core Deposit Ratio | 80.96% | 86.85% | -5.89% | 18th bottom |
| Wholesale Funding Ratio | 6.82% | 5.04% | +1.78% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.72% | 6.84% | -3.12% | 45th below |
| Loan Growth (Y/Y) | -2.35% | 7.92% | -10.27% | 14th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.07% | 6.29% | -1.22% | 58th above |
See State Bank of Bottineau's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Bottineau, 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 Bottineau profile, how to read a UBPR, or how this data updates.