Bancorp Bank National Association, The
Sioux Falls, SD · Cert 35444 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Bancorp Inc. the
National charter · OCC · 1 branch
Q2 2026
$9.2BAssets
$7.2BLoans
$7.5BDeposits
$881.9MEquity
Executive Summary
- Strongest standing: return on assets outperforms 98% of banks $1B-$10B in assets operating in a single state (rank 6 of 258).
- Widest gap: net charge-offs / loans trails 98% of banks $1B-$10B in assets operating in a single state (rank 253 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
3.03%
Rank 6 of 258
Net Interest Margin
5.13%
Rank 7 of 258
Efficiency Ratio
41.32%
Rank 16 of 257
Equity / Assets
9.58%
Rank 164 of 258
Non-interest income vs. expense
Unfavorable gap of $35.5M · efficiency ratio beats 94% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.03% | 0.93% | 1.23% | 1.54% | Beats 98% | 6 / 258 | |
| Return on Equity | 31.59% | 9.26% | 11.84% | 14.74% | Beats 98% | 5 / 258 | |
| Net Interest Margin | 5.13% | 3.16% | 3.49% | 3.88% | Beats 97% | 7 / 258 | |
| Efficiency Ratio | 41.32% | 51.71% | 60.30% | 69.65% | Beats 94% | 16 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.33% | 0.19% | 0.46% | 0.90% | Beats 16% | 217 / 258 | |
| Net Charge-Offs / Loans | 1.27% | 0.01% | 0.02% | 0.07% | Beats 2% | 253 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 14.27% | 11.41% | 12.98% | 15.12% | Beats 68% | 82 / 258 | |
| Total Risk-Based Capital Ratio | 15.32% | 12.10% | 13.91% | 16.08% | Beats 69% | 80 / 258 | |
| Equity / Assets | 9.58% | 9.09% | 10.24% | 11.72% | Beats 36% | 164 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 96.00% | 73.24% | 86.34% | 95.95% | 75th pctl | 64 / 258 | |
| Loans / Assets | 78.08% | 63.01% | 72.27% | 78.40% | 72nd pctl | 72 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |