State Bank & Trust of Kenmare: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank & Trust of Kenmare of Kenmare, ND against its peer group of 2672 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. | 1.32% | 1.34% | -0.02% | 53rd above |
| ROAE | 18.80% | 13.31% | +5.49% | 83rd top |
| Net Interest Margin | 2.87% | 3.93% | -1.06% | 7th bottom |
| Efficiency Ratio | 48.54% | 61.14% | -12.60% | 83rd top |
| PPNR / Avg Assets | 1.28% | 1.68% | -0.40% | 33rd below |
| Yield on Earning Assets | 4.58% | 5.67% | -1.09% | 10th bottom |
| Cost of Funds | 1.80% | 1.88% | -0.08% | 50th above |
| Net Interest Spread | 2.51% | 3.32% | -0.81% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.77% | 0.94% | +0.83% | 15th bottom |
| NPA / Total Assets | 0.75% | 0.70% | +0.05% | 28th below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 89th top |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 39th below |
| ACL / NPLs (Coverage) | 62.47% | 1538.99% | -1476.52% | 15th bottom |
| Texas Ratio | 15.50% | 7.33% | +8.17% | 12th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.93% | 19.50% | -2.57% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.93% | 19.54% | -2.61% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.78% | 20.62% | -2.84% | 62nd above |
| Leverage Ratio | 9.25% | 12.14% | -2.89% | 16th bottom |
| Equity / Assets | 7.31% | 11.38% | -4.07% | 8th bottom |
| TCE / Tangible Assets | 7.27% | 11.09% | -3.82% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 46.29% | 80.64% | -34.35% | 93rd top |
| Core Deposit Ratio | 81.42% | 86.86% | -5.44% | 19th bottom |
| Wholesale Funding Ratio | 1.29% | 5.03% | -3.74% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.61% | 6.85% | +3.76% | 84th top |
| Loan Growth (Y/Y) | -6.52% | 7.91% | -14.43% | 5th bottom |
| Deposit Growth (Y/Y) | 9.56% | 6.29% | +3.27% | 81st top |
See State Bank & Trust of Kenmare's peers by name
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Unlock State Bank & Trust of Kenmare, 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 & Trust of Kenmare profile, how to read a UBPR, or how this data updates.