Community Bank Mankato
Total assets
$538.3M
▼ -1.3% YoY
Deposits
$473.9M
▲ +0.9% YoY
Loans
$470.9M
▼ -3.6% YoY
Offices
5
VERNON CENTER BANCSHARES INC
ROA (annualized)
1.01%
peers 1.28%
ROE (annualized)
10.76%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Community Bank Mankato | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +4.9% | -6.2 pts |
| Deposit growth (YoY) | +0.9% | +4.3% | -3.5 pts |
| Loan growth (YoY) | -3.6% | +5.3% | -8.9 pts |
| ROA | 1.01% | 1.28% | -0.3 pts |
| ROE | 10.8% | 12.4% | -1.7 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
Profile
- Established
- 1929
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- VERNON CENTER BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 201 Main St E, Vernon Center, MN, 56090
- County
- Blue Earth
- Metro area
- Mankato, MN
- Offices
- 5
- FDIC cert #
- 9760
- RSSD ID
- 835257
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $538.3M | $473.9M | $470.9M | $51.1M | $2.7M | 1.01% | 3.51% | 1.90% |
| Q1 2026 | $539.8M | $473.6M | $474.1M | $50.7M | $1.4M | 1.02% | 3.37% | 2.01% |
| Q4 2025 | $542.7M | $471.4M | $476.8M | $49.9M | $4.4M | 0.81% | 3.18% | 1.97% |
| Q3 2025 | $552.7M | $477.8M | $478.8M | $48.8M | $3.3M | 0.80% | 3.10% | 2.07% |
| Q2 2025 | $545.5M | $469.8M | $488.5M | $47.5M | $2.1M | 0.79% | 3.04% | 2.00% |
| Q1 2025 | $545.3M | $479.4M | $494.2M | $46.4M | $1.1M | 0.78% | 2.92% | 2.00% |
| Q4 2024 | $539.9M | $455.3M | $504.2M | $45.8M | $2.9M | 0.53% | 2.62% | 2.01% |
| Q3 2024 | $546.8M | $453.2M | $510.6M | $45.2M | $2.2M | 0.53% | 2.54% | 1.99% |
Loan mix (Q2 2026): real estate $422.0M · commercial $39.3M · consumer $2.9M · securities $23.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Community Bank Mankato | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.28% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.89% | 29th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 61.2% | 40th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Community Bank Mankato | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Community Bank Mankato | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Community Bank Mankato | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Community Bank Mankato | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Northeast BankMinneapolis, MN · $837.3M
- First National Bank NorthWalker, MN · $864.3M
- Falcon National BankFoley, MN · $872.3M
- Pioneer BankMapleton, MN · $883.8M
- 21st Century BankLoretto, MN · $894.8M
- VersaBank USA National AssociationHoldingford, MN · $911.9M
Selling to Community Bank Mankato?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.