Janesville State Bank
Janesville, MN · Cert 10960 · Peer group: banks under $1B in assets in MN (n=111-113) · Janesville Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
$98.8MAssets
$70.3MLoans
$84.1MDeposits
$10.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 12 of 111).
- Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in MN (rank 91 of 113).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.29%
Rank 45 of 113
Net Interest Margin
3.28%
Rank 89 of 113
Efficiency Ratio
53.76%
Rank 28 of 113
Equity / Assets
10.85%
Rank 48 of 113
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 76% 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 | 1.29% | 0.87% | 1.20% | 1.41% | Beats 60% | 45 / 113 | | |
| Return on Equity | 11.89% | 8.92% | 11.27% | 13.99% | Beats 56% | 50 / 113 | | |
| Net Interest Margin | 3.28% | 3.42% | 3.88% | 4.31% | Beats 21% | 89 / 113 | | |
| Efficiency Ratio | 53.76% | 54.13% | 61.48% | 69.86% | Beats 76% | 28 / 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 | 11.44% | 11.53% | 13.31% | 18.13% | Beats 23% | 87 / 113 | | |
| Total Risk-Based Capital Ratio | 11.44% | 12.12% | 14.43% | 19.39% | Beats 19% | 91 / 113 | | |
| Equity / Assets | 10.85% | 8.52% | 10.10% | 11.94% | Beats 58% | 48 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.62% | 62.08% | 77.32% | 88.06% | 66th pctl | 38 / 111 | | |
| Loans / Assets | 71.16% | 55.01% | 66.35% | 75.50% | 60th pctl | 45 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |