State Bank of Lakota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Lakota of Lakota, ND against its peer group of 506 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 | 0.71% | 3.13% | -2.42% | 34th below |
| ROAE | 7.50% | 10.31% | -2.81% | 45th below |
| Net Interest Margin | 3.75% | 3.94% | -0.19% | 43rd below |
| Efficiency Ratio | 67.46% | 76.33% | -8.87% | 55th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.23% | 1.40% | -0.17% | 50th above |
| Yield on Earning Assets | 4.93% | 5.35% | -0.42% | 38th below |
| Cost of Funds | 1.29% | 1.70% | -0.41% | 65th above |
| Net Interest Spread | 3.17% | 3.32% | -0.15% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 1.34% | -1.09% | 51st above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.15% | 0.71% | -0.56% | 48th below |
| NCO / Avg Loans | 0.48% | 0.10% | +0.38% | 4th bottom |
| ACL / Total Loans | 1.02% | 1.49% | -0.47% | 30th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 414.58% | 866.35% | -451.77% | 75th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.86% | 8.27% | -5.41% | 47th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 163.49% | 290.52% | -127.03% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.66% | 62.35% | -47.69% | 21st bottom |
| Tier 1 Ratio | 14.66% | 62.35% | -47.69% | 21st bottom |
| Total Capital Ratio | 15.66% | 63.32% | -47.66% | 20th bottom |
| Leverage Ratio | 9.58% | 17.66% | -8.08% | 14th bottom |
| Equity / Assets | 9.75% | 16.46% | -6.71% | 24th bottom |
| TCE / Tangible Assets | 9.75% | 16.20% | -6.45% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 67.58% | 72.84% | -5.26% | 49th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 91.12% | 88.27% | +2.85% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.04% | 4.27% | -4.31% | 31st below |
| Loan Growth (Y/Y) | 1.49% | 6.76% | -5.27% | 46th below |
| Deposit Growth (Y/Y) | -0.44% | 3.73% | -4.17% | 32nd below |
See State Bank of Lakota's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Lakota, 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 Lakota profile, how to read a UBPR, or how this data updates.