My Kind of Bank, National Association
Total assets
$422.6M
▲ +7.3% YoY
Deposits
$385.6M
▲ +8.4% YoY
Loans
$311.0M
▲ +7.1% YoY
Offices
5
HENNING BANCSHARES INC
ROA (annualized)
1.41%
peers 1.24%
ROE (annualized)
17.90%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +8.4% | +4.0% | +4.4 pts |
| Loan growth (YoY) | +7.1% | +5.6% | +1.5 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 17.9% | 11.9% | +6.0 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
Profile
- Established
- 1903
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- HENNING BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 106 Mn Highway 78 N, Ottertail, MN, 56571
- County
- Otter Tail
- Metro area
- Fergus Falls, MN
- Offices
- 5
- FDIC cert #
- 5162
- RSSD ID
- 23456
- 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 | $422.6M | $385.6M | $311.0M | $34.0M | $3.0M | 1.41% | 3.96% | 0.82% |
| Q1 2026 | $420.5M | $385.1M | $299.4M | $32.9M | $1.4M | 1.37% | 3.81% | 0.74% |
| Q4 2025 | $417.6M | $382.2M | $294.8M | $32.7M | $4.4M | 1.12% | 3.81% | 0.61% |
| Q3 2025 | $401.0M | $365.7M | $297.3M | $30.9M | $3.1M | 1.06% | 3.79% | 0.81% |
| Q2 2025 | $393.9M | $355.9M | $290.4M | $28.8M | $2.0M | 1.06% | 3.70% | 0.70% |
| Q1 2025 | $380.9M | $342.8M | $281.2M | $27.2M | $876K | 0.92% | 3.54% | 0.92% |
| Q4 2024 | $378.6M | $341.1M | $277.3M | $26.3M | $3.3M | 0.91% | 3.26% | 0.76% |
| Q3 2024 | $376.4M | $341.0M | $267.7M | $28.1M | $2.2M | 0.83% | 3.17% | 0.31% |
Loan mix (Q2 2026): real estate $256.8M · commercial $23.0M · consumer $18.2M · securities $81.3M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 17.9% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.96% | 50th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 62.9% | 47th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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