Trucommunity Bank
Garrison, ND · Cert 15306 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · McLean Bank Holding Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
$338.2MAssets
$222.0MLoans
$282.3MDeposits
$32.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 78% of banks under $1B in assets operating in a single state (rank 161 of 746).
- Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets operating in a single state (rank 667 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.37%
Rank 221 of 746
Net Interest Margin
4.10%
Rank 208 of 746
Efficiency Ratio
59.97%
Rank 282 of 746
Equity / Assets
9.65%
Rank 472 of 746
Non-interest income vs. expense
Unfavorable gap of $7.7M · efficiency ratio beats 62% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.72% | 1.06% | 1.45% | Beats 70% | 221 / 746 | |
| Return on Equity | 14.22% | 6.74% | 10.51% | 13.63% | Beats 78% | 161 / 746 | |
| Net Interest Margin | 4.10% | 3.17% | 3.68% | 4.16% | Beats 72% | 208 / 746 | |
| Efficiency Ratio | 59.97% | 55.74% | 64.58% | 75.47% | Beats 62% | 282 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.18% | 0.09% | 0.42% | 1.07% | Beats 10% | 667 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 60% | 300 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.06% | 11.55% | 13.75% | 17.60% | Beats 20% | 599 / 746 | |
| Total Risk-Based Capital Ratio | 11.06% | 11.71% | 14.33% | 18.43% | Beats 18% | 610 / 746 | |
| Equity / Assets | 9.65% | 8.90% | 10.51% | 13.06% | Beats 37% | 472 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 78.62% | 61.31% | 78.27% | 90.78% | 51st pctl | 368 / 746 | |
| Loans / Assets | 65.62% | 53.60% | 66.97% | 76.08% | 46th pctl | 402 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |