Prinsbank
Prinsburg, MN · Cert 10191 · Peer group: banks under $1B in assets in MN (n=111-113) · PSB Financial Shares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$308.3MAssets
$189.2MLoans
$262.9MDeposits
$37.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 97% of banks under $1B in assets in MN (rank 3 of 113).
- Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets in MN (rank 101 of 111).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.50%
Rank 5 of 113
Net Interest Margin
4.33%
Rank 27 of 113
Efficiency Ratio
63.17%
Rank 65 of 113
Equity / Assets
12.23%
Rank 27 of 113
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 43% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.50% | 0.87% | 1.20% | 1.41% | Beats 96% | 5 / 113 | | |
| Return on Equity | 20.41% | 8.92% | 11.27% | 13.99% | Beats 97% | 3 / 113 | | |
| Net Interest Margin | 4.33% | 3.42% | 3.88% | 4.31% | Beats 76% | 27 / 113 | | |
| Efficiency Ratio | 63.17% | 54.13% | 61.48% | 69.86% | Beats 43% | 65 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.09% | 0.58% | 1.82% | Beats 62% | 43 / 111 | | |
| Net Charge-Offs / Loans | 0.22% | n/a | 0.00% | 0.04% | Beats 10% | 101 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 17.59% | 11.53% | 13.31% | 18.13% | Beats 73% | 30 / 113 | | |
| Total Risk-Based Capital Ratio | 18.89% | 12.12% | 14.43% | 19.39% | Beats 73% | 30 / 113 | | |
| Equity / Assets | 12.23% | 8.52% | 10.10% | 11.94% | Beats 76% | 27 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.98% | 62.08% | 77.32% | 88.06% | 40th pctl | 67 / 111 | | |
| Loans / Assets | 61.38% | 55.01% | 66.35% | 75.50% | 38th pctl | 70 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |