| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +4.4% | -6.5 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +3.3% | +5.6% | -2.3 pts |
| ROA | 1.66% | 1.24% | +0.4 pts |
| ROE | 16.2% | 11.9% | +4.3 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $298.4M | $253.9M | $238.3M | $30.3M | $2.4M | 1.66% | 4.41% | 0.39% |
| Q1 2026 | $285.9M | $250.5M | $223.7M | $29.6M | $1.1M | 1.54% | 4.35% | 0.33% |
| Q4 2025 | $291.5M | $243.6M | $223.4M | $29.6M | $4.6M | 1.53% | 4.01% | 0.07% |
| Q3 2025 | $295.6M | $242.8M | $225.8M | $29.0M | $3.4M | 1.50% | 3.89% | 0.18% |
| Q2 2025 | $304.9M | $241.9M | $230.7M | $28.0M | $2.1M | 1.39% | 3.77% | 0.22% |
| Q1 2025 | $304.0M | $243.6M | $227.9M | $26.9M | $862K | 1.14% | 3.65% | 0.15% |
| Q4 2024 | $302.6M | $250.2M | $216.6M | $26.2M | $3.2M | 1.03% | 3.24% | 0.27% |
| Q3 2024 | $303.4M | $252.2M | $216.6M | $26.0M | $2.1M | 0.93% | 3.15% | 0.35% |
Loan mix (Q2 2026): real estate $191.6M · commercial $33.1M · consumer $7.2M · securities $38.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Minnesota National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 62.9% | 41th |
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 National 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 National 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 National 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 National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.