Ogema State Bank
Ogema, MN · Cert 10568 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=59)
FDIC · 2 branches
Q2 2024
$167.3MAssets
$79.3MLoans
$143.8MDeposits
$20.9MEquity
Executive Summary
- Strongest standing: return on assets outperforms 98% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 1 of 59).
- Widest gap: nonperforming loans / loans trails 88% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 53 of 59).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
4.00%
Rank 1 of 59
Net Interest Margin
3.68%
Rank 10 of 59
Efficiency Ratio
34.81%
Rank 3 of 59
Equity / Assets
12.47%
Rank 6 of 59
Non-interest income vs. expense
Favorable gap of $2.8M · efficiency ratio beats 97% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 4.00% | 0.54% | 0.66% | 1.17% | Beats 98% | 1 / 59 | n/a | |
| Return on Equity | 32.07% | 6.64% | 8.63% | 13.05% | Beats 98% | 1 / 59 | n/a | |
| Net Interest Margin | 3.68% | 2.69% | 3.10% | 3.46% | Beats 83% | 10 / 59 | n/a | |
| Efficiency Ratio | 34.81% | 62.95% | 71.53% | 79.14% | Beats 97% | 3 / 59 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.39% | 0.03% | 0.27% | 1.33% | Beats 12% | 53 / 59 | n/a | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 42% | 36 / 59 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 20.40% | 10.86% | 13.45% | 15.52% | Beats 95% | 3 / 59 | n/a | |
| Total Risk-Based Capital Ratio | 21.65% | 11.64% | 14.54% | 16.27% | Beats 95% | 3 / 59 | n/a | |
| Equity / Assets | 12.47% | 7.02% | 8.28% | 9.88% | Beats 90% | 6 / 59 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 55.18% | 65.71% | 80.29% | 93.73% | 12th pctl | 52 / 59 | n/a | |
| Loans / Assets | 47.42% | 58.60% | 69.84% | 79.20% | 10th pctl | 53 / 59 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |