Banknorth
Arthur, ND · Cert 8387 · Peer group: banks under $1B in assets (n=581-629) · First Financial Corp.
State charter, non-member · FDIC · 11 branches
Q2 2026
$694.1MAssets
$615.0MLoans
$549.6MDeposits
$77.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 92% of banks under $1B in assets (rank 50 of 629).
- Widest gap: tier 1 capital ratio trails 85% of banks under $1B in assets (rank 532 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.52%
Rank 142 of 629
Net Interest Margin
4.68%
Rank 50 of 629
Efficiency Ratio
56.33%
Rank 132 of 629
Equity / Assets
11.18%
Rank 275 of 629
Non-interest income vs. expense
Unfavorable gap of $16.8M · efficiency ratio beats 79% 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 | 1.52% | 0.60% | 1.01% | 1.45% | Beats 77% | 142 / 629 | | |
| Return on Equity | 13.64% | 5.38% | 9.30% | 13.28% | Beats 77% | 145 / 629 | | |
| Net Interest Margin | 4.68% | 3.03% | 3.54% | 4.05% | Beats 92% | 50 / 629 | | |
| Efficiency Ratio | 56.33% | 58.35% | 67.79% | 79.08% | Beats 79% | 132 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.09% | 0.46% | 1.20% | Beats 45% | 320 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 51% | 284 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.47% | 11.24% | 13.84% | 18.77% | Beats 15% | 532 / 629 | | |
| Total Risk-Based Capital Ratio | 11.51% | 11.58% | 14.43% | 19.66% | Beats 24% | 476 / 629 | | |
| Equity / Assets | 11.18% | 9.09% | 10.65% | 13.80% | Beats 56% | 275 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 111.90% | 67.24% | 80.90% | 93.48% | 96th pctl | 22 / 594 | | |
| Loans / Assets | 88.62% | 53.31% | 67.71% | 78.15% | 98th pctl | 14 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |