Strasburg State Bank
Strasburg, ND · Cert 17922 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Strasburg Banshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$104.2MAssets
$44.8MLoans
$93.4MDeposits
$9.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net interest margin trails 88% of banks under $1B in assets operating in a single state (rank 655 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.19%
Rank 304 of 746
Net Interest Margin
2.83%
Rank 655 of 746
Efficiency Ratio
53.34%
Rank 156 of 746
Equity / Assets
8.90%
Rank 561 of 746
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 79% 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 | 1.19% | 0.72% | 1.06% | 1.45% | Beats 59% | 304 / 746 | | |
| Return on Equity | 13.36% | 6.74% | 10.51% | 13.63% | Beats 72% | 208 / 746 | | |
| Net Interest Margin | 2.83% | 3.17% | 3.68% | 4.16% | Beats 12% | 655 / 746 | | |
| Efficiency Ratio | 53.34% | 55.74% | 64.58% | 75.47% | Beats 79% | 156 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 59% | 310 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.67% | 11.55% | 13.75% | 17.60% | Beats 50% | 376 / 746 | | |
| Total Risk-Based Capital Ratio | 14.13% | 11.71% | 14.33% | 18.43% | Beats 48% | 390 / 746 | | |
| Equity / Assets | 8.90% | 8.90% | 10.51% | 13.06% | Beats 25% | 561 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 47.94% | 61.31% | 78.27% | 90.78% | 11th pctl | 662 / 746 | | |
| Loans / Assets | 42.98% | 53.60% | 66.97% | 76.08% | 13th pctl | 651 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |