Community Resource Bank
Total assets
$556.4M
▲ +3.0% YoY
Deposits
$471.8M
▲ +4.4% YoY
Loans
$410.2M
▲ +4.4% YoY
Offices
4
MIDCOUNTRY ACQUISITION CORP
ROA (annualized)
1.40%
peers 1.28%
ROE (annualized)
12.37%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.9% | -1.9 pts |
| Deposit growth (YoY) | +4.4% | +4.3% | +0.0 pts |
| Loan growth (YoY) | +4.4% | +5.3% | -1.0 pts |
| ROA | 1.40% | 1.28% | +0.1 pts |
| ROE | 12.4% | 12.4% | -0.1 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
Profile
- Established
- 1878
- Charter
- State
- Primary regulator
- FED
- Holding company
- MIDCOUNTRY ACQUISITION CORP
- Specialization
- Commercial Lending Specialization
- Address
- 1605 Heritage Dr, Northfield, MN, 55057
- County
- Rice
- Metro area
- Faribault-Northfield, MN
- Offices
- 4
- FDIC cert #
- 5219
- RSSD ID
- 813853
- 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 | $556.4M | $471.8M | $410.2M | $63.7M | $3.9M | 1.40% | 4.28% | 0.82% |
| Q1 2026 | $575.6M | $489.0M | $400.4M | $63.4M | $2.3M | 1.64% | 4.14% | 0.97% |
| Q4 2025 | $542.2M | $446.7M | $399.6M | $62.8M | $5.2M | 0.96% | 3.86% | 1.02% |
| Q3 2025 | $540.2M | $452.8M | $392.0M | $61.0M | $3.5M | 0.87% | 3.74% | 1.13% |
| Q2 2025 | $540.0M | $452.0M | $393.0M | $58.9M | $2.4M | 0.88% | 3.69% | 0.77% |
| Q1 2025 | $380.7M | $311.4M | $319.8M | $39.0M | $696K | 0.73% | 3.72% | 1.10% |
| Q4 2024 | $377.2M | $301.2M | $313.4M | $37.8M | $3.1M | 0.81% | 3.49% | 0.50% |
| Q3 2024 | $379.8M | $312.8M | $311.4M | $40.3M | $2.4M | 0.82% | 3.44% | 0.34% |
Loan mix (Q2 2026): real estate $349.3M · commercial $43.8M · consumer $7.6M · securities $103.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Community Resource Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.28% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 12.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.89% | 73th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 61.2% | 30th | |
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 Resource Bank | 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 Resource Bank | 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 Resource Bank | 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 Resource Bank | 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.
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