Northview Bank
Sandstone, MN · Cert 10956 · Peer group: banks under $1B in assets in MN (n=111-113) · Finlayson Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 12 branches (24 in holding)
Q2 2026
$469.7MAssets
$381.8MLoans
$392.5MDeposits
$51.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 92% of banks under $1B in assets in MN (rank 9 of 113).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets in MN (rank 100 of 113).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.35%
Rank 38 of 113
Net Interest Margin
4.67%
Rank 9 of 113
Efficiency Ratio
64.04%
Rank 67 of 113
Equity / Assets
10.85%
Rank 47 of 113
Non-interest income vs. expense
Unfavorable gap of $13.3M · efficiency ratio beats 42% 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 | 1.35% | 0.87% | 1.20% | 1.41% | Beats 66% | 38 / 113 | |
| Return on Equity | 12.44% | 8.92% | 11.27% | 13.99% | Beats 61% | 44 / 113 | |
| Net Interest Margin | 4.67% | 3.42% | 3.88% | 4.31% | Beats 92% | 9 / 113 | |
| Efficiency Ratio | 64.04% | 54.13% | 61.48% | 69.86% | Beats 42% | 67 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.09% | 0.58% | 1.82% | Beats 56% | 50 / 111 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.04% | Beats 40% | 68 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 10.75% | 11.53% | 13.31% | 18.13% | Beats 13% | 98 / 113 | |
| Total Risk-Based Capital Ratio | 10.75% | 12.12% | 14.43% | 19.39% | Beats 12% | 100 / 113 | |
| Equity / Assets | 10.85% | 8.52% | 10.10% | 11.94% | Beats 58% | 47 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 97.28% | 62.08% | 77.32% | 88.06% | 86th pctl | 16 / 111 | |
| Loans / Assets | 81.30% | 55.01% | 66.35% | 75.50% | 84th pctl | 18 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |