Cortrust Bank National Association
Mitchell, SD · Cert 6063 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 53% of banks $1B-$10B in assets (rank 155 of 328).
- Widest gap: return on assets trails 96% of banks $1B-$10B in assets (rank 314 of 328).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.38%
Rank 314 of 328
Net Interest Margin
3.41%
Rank 175 of 328
Efficiency Ratio
81.29%
Rank 313 of 328
Equity / Assets
8.88%
Rank 259 of 328
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.38% | 0.91% | 1.22% | 1.52% | Beats 4% | 314 / 328 | | |
| Return on Equity | 4.29% | 8.43% | 11.45% | 14.43% | Beats 6% | 309 / 328 | | |
| Net Interest Margin | 3.41% | 3.03% | 3.45% | 3.83% | Beats 47% | 175 / 328 | | |
| Efficiency Ratio | 81.29% | 51.61% | 59.56% | 67.53% | Beats 5% | 313 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.24% | 0.51% | 1.03% | Beats 38% | 202 / 322 | | |
| Net Charge-Offs / Loans | 0.41% | 0.01% | 0.03% | 0.10% | Beats 7% | 299 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 13.27% | 11.75% | 13.15% | 15.47% | Beats 53% | 155 / 328 | | |
| Total Risk-Based Capital Ratio | 14.30% | 12.63% | 14.15% | 16.46% | Beats 52% | 156 / 328 | | |
| Equity / Assets | 8.88% | 9.15% | 10.33% | 12.01% | Beats 21% | 259 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.77% | 76.63% | 87.92% | 95.36% | 20th pctl | 257 / 323 | | |
| Loans / Assets | 64.87% | 65.18% | 74.15% | 79.98% | 25th pctl | 247 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |