Rolette State Bank
Rolette, ND · Cert 9120 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
$51.5MAssets
$37.4MLoans
$46.0MDeposits
$5.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets (rank 574 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.20%
Rank 241 of 629
Net Interest Margin
4.12%
Rank 135 of 629
Efficiency Ratio
67.22%
Rank 307 of 629
Equity / Assets
10.12%
Rank 372 of 629
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 51% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.60% | 1.01% | 1.45% | Beats 62% | 241 / 629 | |
| Return on Equity | 11.84% | 5.38% | 9.30% | 13.28% | Beats 66% | 216 / 629 | |
| Net Interest Margin | 4.12% | 3.03% | 3.54% | 4.05% | Beats 79% | 135 / 629 | |
| Efficiency Ratio | 67.22% | 58.35% | 67.79% | 79.08% | Beats 51% | 307 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.46% | 1.20% | Beats 82% | 107 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.87% | 11.24% | 13.84% | 18.77% | Beats 9% | 571 / 629 | |
| Total Risk-Based Capital Ratio | 9.87% | 11.58% | 14.43% | 19.66% | Beats 9% | 574 / 629 | |
| Equity / Assets | 10.12% | 9.09% | 10.65% | 13.80% | Beats 41% | 372 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 81.21% | 67.24% | 80.90% | 93.48% | 50th pctl | 295 / 594 | |
| Loans / Assets | 72.53% | 53.31% | 67.71% | 78.15% | 59th pctl | 255 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |