Cortrust Bank National Association
Mitchell, SD · Cert 6063 · Peer group: banks $1B-$10B in assets (n=311-317) · Hopkins Financial Corp.
National charter · OCC · 37 branches
Q2 2026
$1.6BAssets
$1.0BLoans
$1.4BDeposits
$138.9MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 52% of banks $1B-$10B in assets (rank 151 of 317).
- Widest gap: return on assets trails 96% of banks $1B-$10B in assets (rank 303 of 317).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.38%
Rank 303 of 317
Net Interest Margin
3.41%
Rank 169 of 317
Efficiency Ratio
81.29%
Rank 302 of 317
Equity / Assets
8.88%
Rank 246 of 317
Non-interest income vs. expense
Unfavorable gap of $40.3M · efficiency ratio beats 5% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.38% | 0.93% | 1.22% | 1.51% | Beats 4% | 303 / 317 | |
| Return on Equity | 4.29% | 8.63% | 11.43% | 14.48% | Beats 6% | 297 / 317 | |
| Net Interest Margin | 3.41% | 3.06% | 3.45% | 3.83% | Beats 47% | 169 / 317 | |
| Efficiency Ratio | 81.29% | 51.90% | 59.69% | 67.53% | Beats 5% | 302 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.24% | 0.51% | 1.14% | Beats 39% | 191 / 311 | |
| Net Charge-Offs / Loans | 0.41% | 0.01% | 0.04% | 0.12% | Beats 8% | 286 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 13.27% | 11.75% | 13.15% | 15.30% | Beats 52% | 151 / 317 | |
| Total Risk-Based Capital Ratio | 14.30% | 12.63% | 14.21% | 16.26% | Beats 52% | 153 / 317 | |
| Equity / Assets | 8.88% | 9.06% | 10.32% | 11.95% | Beats 22% | 246 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 73.77% | 76.63% | 88.04% | 95.67% | 20th pctl | 249 / 312 | |
| Loans / Assets | 64.87% | 65.41% | 74.05% | 79.71% | 24th pctl | 242 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |