Stockman Bank of Montana: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Stockman Bank of Montana of Miles City, MT 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 | 1.88% | 1.46% | +0.42% | 83rd top |
| ROAE | 19.31% | 12.70% | +6.61% | 88th top |
| Net Interest Margin | 3.91% | 3.85% | +0.06% | 63rd above |
| Efficiency Ratio | 51.59% | 57.42% | -5.83% | 71st above |
| PPNR / Avg Assets | 2.01% | 1.88% | +0.13% | 69th above |
| Yield on Earning Assets | 5.89% | 5.72% | +0.17% | 71st above |
| Cost of Funds | 2.09% | 2.02% | +0.07% | 45th below |
| Net Interest Spread | 3.19% | 3.18% | +0.01% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.58% | 1.00% | -0.42% | 53rd above |
| NPA / Total Assets | 0.39% | 0.76% | -0.37% | 58th above |
| NCO / Avg Loans | 0.03% | 0.43% | -0.40% | 52nd above |
| ACL / Total Loans | 1.83% | 1.31% | +0.52% | 94th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 317.08% | 544.05% | -226.97% | 71st above |
| Texas Ratio | 3.82% | 7.40% | -3.58% | 58th above |
| Provision / NCO | 1155.21% | 616.69% | +538.52% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.01% | 17.36% | -5.35% | 25th below |
| Tier 1 Ratio | 12.01% | 17.39% | -5.38% | 25th below |
| Total Capital Ratio | 13.27% | 18.44% | -5.17% | 27th below |
| Leverage Ratio | 9.89% | 11.44% | -1.55% | 34th below |
| Equity / Assets | 9.74% | 11.34% | -1.60% | 37th below |
| TCE / Tangible Assets | 9.49% | 10.50% | -1.01% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.42% | 86.96% | -2.54% | 59th above |
| Core Deposit Ratio | 90.25% | 85.54% | +4.71% | 59th above |
| Uninsured Deposit Ratio | 40.06% | 33.10% | +6.96% | 26th below |
| Wholesale Funding Ratio | 9.49% | 5.69% | +3.80% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.90% | 9.67% | +3.23% | 83rd top |
| Loan Growth (Y/Y) | 8.92% | 8.05% | +0.87% | 69th above |
| Deposit Growth (Y/Y) | 10.98% | 7.86% | +3.12% | 78th top |
See Stockman Bank of Montana's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Stockman Bank of Montana, 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 Stockman Bank of Montana profile, how to read a UBPR, or how this data updates.