| Metric | MINNESOTA LAKES BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +5.4% | +4.0% | +1.5 pts |
| Loan growth (YoY) | -9.3% | +5.6% | -14.9 pts |
| ROA | 1.43% | 1.24% | +0.2 pts |
| ROE | 12.1% | 11.9% | +0.2 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $129.8M | $113.5M | $74.5M | $15.2M | $917K | 1.43% | 5.42% | 1.85% |
| Q1 2026 | $126.5M | $110.4M | $78.3M | $15.1M | $428K | 1.34% | 5.47% | 2.21% |
| Q4 2025 | $128.8M | $112.4M | $80.5M | $15.2M | $1.1M | 0.89% | 5.58% | 0.59% |
| Q3 2025 | $127.3M | $111.2M | $80.5M | $14.9M | $587K | 0.61% | 5.52% | 1.57% |
| Q2 2025 | $125.2M | $107.6M | $82.2M | $14.5M | $-19K | -0.03% | 5.47% | 1.67% |
| Q1 2025 | $123.1M | $106.9M | $83.9M | $15.2M | $492K | 1.53% | 5.41% | 2.13% |
| Q4 2024 | $133.4M | $117.6M | $83.9M | $14.9M | $2.2M | 1.65% | 5.20% | 1.01% |
| Q3 2024 | $138.0M | $122.5M | $79.8M | $14.4M | $1.5M | 1.49% | 4.92% | 0.91% |
Loan mix (Q2 2026): real estate $59.8M · commercial $14.7M · consumer $791K · securities $27.4M
| Ratio | MINNESOTA LAKES BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.24% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 11.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 62.9% | 62th |
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% |
| Ratio | MINNESOTA LAKES 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% |
| Ratio | MINNESOTA LAKES 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% |
| Ratio | MINNESOTA LAKES 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% |
| Ratio | MINNESOTA LAKES BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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