Trucommunity Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Trucommunity Bank of Garrison, 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 | 1.54% | 1.34% | +0.20% | 65th above |
| ROAE | 15.76% | 13.31% | +2.45% | 70th above |
| Net Interest Margin | 4.38% | 3.93% | +0.45% | 74th above |
| Efficiency Ratio | 55.33% | 61.14% | -5.81% | 68th above |
| PPNR / Avg Assets | 1.97% | 1.68% | +0.29% | 71st above |
| Yield on Earning Assets | 5.51% | 5.67% | -0.16% | 46th below |
| Cost of Funds | 1.23% | 1.88% | -0.65% | 83rd top |
| Net Interest Spread | 3.98% | 3.32% | +0.66% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.09% | 0.94% | +0.15% | 26th below |
| NPA / Total Assets | 0.72% | 0.70% | +0.02% | 29th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 81st top |
| ACL / Total Loans | 1.40% | 1.28% | +0.12% | 72nd above |
| ACL / NPLs (Coverage) | 128.67% | 1539.18% | -1410.51% | 36th below |
| Texas Ratio | 17.26% | 7.33% | +9.93% | 10th bottom |
| Provision / NCO | 0.00% | 1396.18% | -1396.18% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.06% | 12.14% | -1.08% | 52nd above |
| Equity / Assets | 9.65% | 11.37% | -1.72% | 39th below |
| TCE / Tangible Assets | 9.65% | 11.09% | -1.44% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.62% | 80.64% | -2.02% | 54th above |
| Core Deposit Ratio | 94.57% | 86.86% | +7.71% | 82nd top |
| Wholesale Funding Ratio | 6.36% | 5.03% | +1.33% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.80% | 6.85% | -3.05% | 45th below |
| Loan Growth (Y/Y) | 0.48% | 7.91% | -7.43% | 24th bottom |
| Deposit Growth (Y/Y) | 3.14% | 6.29% | -3.15% | 44th below |
See Trucommunity Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Trucommunity Bank, 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 Trucommunity Bank profile, how to read a UBPR, or how this data updates.