Turtle Mountain State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Turtle Mountain State Bank of Belcourt, 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 | 2.81% | 1.34% | +1.47% | 96th top |
| ROAE | 23.39% | 13.31% | +10.08% | 94th top |
| Net Interest Margin | 4.41% | 3.93% | +0.48% | 75th top |
| Efficiency Ratio | 39.91% | 61.14% | -21.23% | 95th top |
| PPNR / Avg Assets | 2.81% | 1.68% | +1.13% | 94th top |
| Yield on Earning Assets | 5.13% | 5.67% | -0.54% | 28th below |
| Cost of Funds | 0.79% | 1.88% | -1.09% | 95th top |
| Net Interest Spread | 3.26% | 3.32% | -0.06% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.33% | 0.94% | +0.39% | 21st bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.48% | 0.70% | -0.22% | 40th below |
| NCO / Avg Loans | 0.46% | 0.16% | +0.30% | 6th bottom |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 42nd below |
| ACL / NPLs (Coverage) | 85.64% | 1538.85% | -1453.21% | 23rd bottom |
| Texas Ratio | 7.38% | 7.33% | +0.05% | 30th below |
| Provision / NCO | 0.00% | 1395.72% | -1395.72% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.85% | 12.14% | +0.71% | 74th above |
| Equity / Assets | 12.29% | 11.37% | +0.92% | 73rd above |
| TCE / Tangible Assets | 12.29% | 11.09% | +1.20% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.02% | 80.64% | -39.62% | 95th top |
| Core Deposit Ratio | 84.81% | 86.86% | -2.05% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -13.83% | 6.85% | -20.68% | 1st bottom |
| Loan Growth (Y/Y) | 2.96% | 7.90% | -4.94% | 36th below |
| Deposit Growth (Y/Y) | -16.24% | 6.29% | -22.53% | 1st bottom |
See Turtle Mountain State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Turtle Mountain State 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 Turtle Mountain State Bank profile, how to read a UBPR, or how this data updates.