State Bank of Jeffers
Jeffers, MN · Cert 10200 · Peer group: banks under $1B in assets in MN (n=111-113)
State charter, non-member · FDIC · 1 branch
Q2 2026
$37.1MAssets
$19.1MLoans
$31.2MDeposits
$5.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 12 of 111).
- Widest gap: net interest margin trails 29% of banks under $1B in assets in MN (rank 33 of 113).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
2.31%
Rank 6 of 113
Net Interest Margin
4.27%
Rank 33 of 113
Efficiency Ratio
38.71%
Rank 2 of 113
Equity / Assets
14.74%
Rank 14 of 113
Non-interest income vs. expense
Unfavorable gap of $618K · efficiency ratio beats 99% 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 | 2.31% | 0.87% | 1.20% | 1.41% | Beats 95% | 6 / 113 | | |
| Return on Equity | 15.66% | 8.92% | 11.27% | 13.99% | Beats 81% | 21 / 113 | | |
| Net Interest Margin | 4.27% | 3.42% | 3.88% | 4.31% | Beats 71% | 33 / 113 | | |
| Efficiency Ratio | 38.71% | 54.13% | 61.48% | 69.86% | Beats 99% | 2 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.58% | 1.82% | Beats 100% | 12 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 20.98% | 11.53% | 13.31% | 18.13% | Beats 81% | 21 / 113 | | |
| Total Risk-Based Capital Ratio | 21.98% | 12.12% | 14.43% | 19.39% | Beats 81% | 21 / 113 | | |
| Equity / Assets | 14.74% | 8.52% | 10.10% | 11.94% | Beats 88% | 14 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.18% | 62.08% | 77.32% | 88.06% | 21st pctl | 88 / 111 | | |
| Loans / Assets | 51.55% | 55.01% | 66.35% | 75.50% | 19th pctl | 91 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |