First State Bank Minnesota
Le Roy, MN · Cert 10162 · Peer group: banks under $1B in assets in MN (n=111-113) · First Leroy Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$105.9MAssets
$87.0MLoans
$92.5MDeposits
$12.0MEquity
Executive Summary
- Strongest standing: return on assets outperforms 87% of banks under $1B in assets in MN (rank 15 of 113).
- Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in MN (rank 92 of 113).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.70%
Rank 15 of 113
Net Interest Margin
4.34%
Rank 26 of 113
Efficiency Ratio
51.52%
Rank 17 of 113
Equity / Assets
11.37%
Rank 39 of 113
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 86% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 0.87% | 1.20% | 1.41% | Beats 87% | 15 / 113 | |
| Return on Equity | 14.96% | 8.92% | 11.27% | 13.99% | Beats 80% | 23 / 113 | |
| Net Interest Margin | 4.34% | 3.42% | 3.88% | 4.31% | Beats 77% | 26 / 113 | |
| Efficiency Ratio | 51.52% | 54.13% | 61.48% | 69.86% | Beats 86% | 17 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.09% | 0.58% | 1.82% | Beats 43% | 64 / 111 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 55% | 51 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 11.43% | 11.53% | 13.31% | 18.13% | Beats 22% | 88 / 113 | |
| Total Risk-Based Capital Ratio | 11.43% | 12.12% | 14.43% | 19.39% | Beats 19% | 92 / 113 | |
| Equity / Assets | 11.37% | 8.52% | 10.10% | 11.94% | Beats 65% | 39 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 94.07% | 62.08% | 77.32% | 88.06% | 84th pctl | 18 / 111 | |
| Loans / Assets | 82.13% | 55.01% | 66.35% | 75.50% | 87th pctl | 15 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |