Randall State Bank
Randall, MN · Cert 10969 · Peer group: banks under $1B in assets in MN (n=111-113) · Security St Agency Aitkin Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)
Q2 2026
$76.4MAssets
$61.7MLoans
$63.2MDeposits
$13.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 98% of banks under $1B in assets in MN (rank 2 of 113).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in MN (rank 104 of 111).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.14%
Rank 61 of 113
Net Interest Margin
5.57%
Rank 2 of 113
Efficiency Ratio
65.08%
Rank 71 of 113
Equity / Assets
16.97%
Rank 7 of 113
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 38% 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 | 1.14% | 0.87% | 1.20% | 1.41% | Beats 46% | 61 / 113 | |
| Return on Equity | 6.75% | 8.92% | 11.27% | 13.99% | Beats 16% | 95 / 113 | |
| Net Interest Margin | 5.57% | 3.42% | 3.88% | 4.31% | Beats 98% | 2 / 113 | |
| Efficiency Ratio | 65.08% | 54.13% | 61.48% | 69.86% | Beats 38% | 71 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.30% | 0.09% | 0.58% | 1.82% | Beats 14% | 96 / 111 | |
| Net Charge-Offs / Loans | 0.38% | n/a | 0.00% | 0.04% | Beats 7% | 104 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 10.73% | 11.53% | 13.31% | 18.13% | Beats 12% | 99 / 113 | |
| Total Risk-Based Capital Ratio | 10.73% | 12.12% | 14.43% | 19.39% | Beats 11% | 101 / 113 | |
| Equity / Assets | 16.97% | 8.52% | 10.10% | 11.94% | Beats 94% | 7 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 97.60% | 62.08% | 77.32% | 88.06% | 86th pctl | 15 / 111 | |
| Loans / Assets | 80.82% | 55.01% | 66.35% | 75.50% | 83rd pctl | 19 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |