Bank of Tioga, The
Tioga, ND · Cert 17280 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · TS Banking Group Inc.
State charter, non-member · FDIC · 2 affiliate banks · 2 branches (13 in holding)
Q2 2026
$412.1MAssets
$136.1MLoans
$396.6MDeposits
$8.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 100% of banks under $1B in assets operating in a single state (rank 2 of 746).
- Widest gap: equity / assets trails 100% of banks under $1B in assets operating in a single state (rank 745 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.31%
Rank 244 of 746
Net Interest Margin
2.21%
Rank 716 of 746
Efficiency Ratio
46.80%
Rank 69 of 746
Equity / Assets
2.08%
Rank 745 of 746
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 91% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.72% | 1.06% | 1.45% | Beats 67% | 244 / 746 | | |
| Return on Equity | 62.73% | 6.74% | 10.51% | 13.63% | Beats 100% | 2 / 746 | | |
| Net Interest Margin | 2.21% | 3.17% | 3.68% | 4.16% | Beats 4% | 716 / 746 | | |
| Efficiency Ratio | 46.80% | 55.74% | 64.58% | 75.47% | Beats 91% | 69 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.15% | 0.09% | 0.42% | 1.07% | Beats 23% | 572 / 743 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 25% | 557 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.38% | 11.55% | 13.75% | 17.60% | Beats 64% | 266 / 746 | | |
| Total Risk-Based Capital Ratio | 15.89% | 11.71% | 14.33% | 18.43% | Beats 62% | 282 / 746 | | |
| Equity / Assets | 2.08% | 8.90% | 10.51% | 13.06% | Beats 0% | 745 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 34.32% | 61.31% | 78.27% | 90.78% | 3rd pctl | 724 / 746 | | |
| Loans / Assets | 33.04% | 53.60% | 66.97% | 76.08% | 5th pctl | 712 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |