The Bank of Tioga: how it compares with its peers
Against 19 ND banks with half to twice its assets, The Bank of Tioga's strongest measure in Q2 2026 is assets per employee ($12.9M vs. a $7.7M peer median). Its weakest relative measure is net interest margin (2.45% vs. 4.00%).
| Measure | The Bank of Tioga | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.66% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.45% | 4.00% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.80% | 55.56% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.9M | $7.7M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 34.02% | 82.06% | Context |
What it means for lending operations
Its efficiency ratio of 46.80% is better than the 55.56% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Dakota Western Bank Bowman, ND · $416M
- Dakota Heritage Bank Hunter, ND · $417M
- First State Bank Buxton, ND · $424M
- Kirkwood Bank & Trust Co. Bismarck, ND · $351M
- TruCommunity Bank Garrison, ND · $338M
- Stock Growers Bank Forman, ND · $333M
Questions about The Bank of Tioga
How big is The Bank of Tioga?
The Bank of Tioga, established in 1952, is headquartered in Tioga, ND. It reported $412M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Bank of Tioga's return on assets?
1.32% annualized in Q2 2026, against a 1.66% median for 19 ND banks with half to twice its assets, ahead of 21% of them.
What is The Bank of Tioga's efficiency ratio?
46.80% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 55.56%, and lower is better.
Is The Bank of Tioga growing its loans?
Net loans grew 18.2% over the year to Q2 2026, while deposits shrank 4.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are ND banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Dakota bank ranked.