Turtle Mountain State Bank
Belcourt, ND · Cert 58586 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
$114.1MAssets
$40.9MLoans
$99.8MDeposits
$14.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 91% of banks under $1B in assets (rank 56 of 629).
- Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets (rank 516 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.83%
Rank 90 of 629
Net Interest Margin
4.16%
Rank 127 of 629
Efficiency Ratio
47.99%
Rank 56 of 629
Equity / Assets
12.29%
Rank 214 of 629
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 91% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.83% | 0.60% | 1.01% | 1.45% | Beats 86% | 90 / 629 | | |
| Return on Equity | 14.91% | 5.38% | 9.30% | 13.28% | Beats 83% | 107 / 629 | | |
| Net Interest Margin | 4.16% | 3.03% | 3.54% | 4.05% | Beats 80% | 127 / 629 | | |
| Efficiency Ratio | 47.99% | 58.35% | 67.79% | 79.08% | Beats 91% | 56 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.75% | 0.09% | 0.46% | 1.20% | Beats 15% | 494 / 581 | | |
| Net Charge-Offs / Loans | 0.14% | n/a | 0.01% | 0.06% | Beats 12% | 516 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.85% | 11.24% | 13.84% | 18.77% | Beats 41% | 369 / 629 | | |
| Total Risk-Based Capital Ratio | 12.85% | 11.58% | 14.43% | 19.66% | Beats 37% | 398 / 629 | | |
| Equity / Assets | 12.29% | 9.09% | 10.65% | 13.80% | Beats 66% | 214 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 41.02% | 67.24% | 80.90% | 93.48% | 6th pctl | 557 / 594 | | |
| Loans / Assets | 35.88% | 53.31% | 67.71% | 78.15% | 13th pctl | 547 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |