Sturgis Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sturgis Bank & Trust Company of Sturgis, MI 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 | 1.16% | 1.46% | -0.30% | 41st below |
| ROAE | 14.42% | 12.72% | +1.70% | 67th above |
| Net Interest Margin | 3.85% | 3.85% | +0.00% | 59th above |
| Efficiency Ratio | 73.06% | 57.40% | +15.66% | 15th bottom |
| PPNR / Avg Assets | 1.18% | 1.88% | -0.70% | 22nd bottom |
| Yield on Earning Assets | 5.45% | 5.72% | -0.27% | 44th below |
| Cost of Funds | 1.66% | 2.02% | -0.36% | 72nd above |
| Net Interest Spread | 3.46% | 3.18% | +0.28% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.36% | 1.00% | +0.36% | 22nd bottom |
| NPA / Total Assets | 1.41% | 0.76% | +0.65% | 14th bottom |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 82nd top |
| ACL / Total Loans | 1.10% | 1.31% | -0.21% | 42nd below |
| ACL / NPLs (Coverage) | 80.53% | 543.54% | -463.01% | 21st bottom |
| Texas Ratio | 16.82% | 7.39% | +9.43% | 9th bottom |
| Provision / NCO | -3746.67% | 620.66% | -4367.33% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.11% | 17.34% | -5.23% | 27th below |
| Tier 1 Ratio | 12.11% | 17.37% | -5.26% | 27th below |
| Total Capital Ratio | 13.34% | 18.42% | -5.08% | 29th below |
| Leverage Ratio | 8.63% | 11.44% | -2.81% | 6th bottom |
| Equity / Assets | 8.15% | 11.34% | -3.19% | 8th bottom |
| TCE / Tangible Assets | 7.62% | 10.50% | -2.88% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.09% | 86.95% | -0.86% | 56th above |
| Core Deposit Ratio | 84.84% | 85.55% | -0.71% | 34th below |
| Wholesale Funding Ratio | 3.76% | 5.70% | -1.94% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.55% | 9.68% | -5.13% | 46th below |
| Loan Growth (Y/Y) | -2.77% | 8.06% | -10.83% | 9th bottom |
| Deposit Growth (Y/Y) | 1.19% | 7.87% | -6.68% | 24th bottom |
See Sturgis Bank & Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sturgis Bank & Trust Company, 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 Sturgis Bank & Trust Company profile, how to read a UBPR, or how this data updates.