Prime Security Bank

Karlstad, MN · Cert 10971 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · North State Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$154.5MAssets

$134.2MLoans

$131.3MDeposits

$12.8MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 51% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 27 of 53).
Widest gap: net charge-offs / loans trails 75% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 41 of 53).
Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.82%

Rank 38 of 53

Net Interest Margin

3.67%

Rank 31 of 53

Efficiency Ratio

71.57%

Rank 40 of 53

Equity / Assets

8.26%

Rank 35 of 53

Non-interest income vs. expense

Unfavorable gap of $3.8M · efficiency ratio beats 26% 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
Earnings
Return on Assets	0.82%	0.73%	1.11%	1.30%	Beats 28%	38 / 53
Return on Equity	9.92%	7.88%	12.20%	14.12%	Beats 36%	34 / 53
Net Interest Margin	3.67%	3.39%	3.77%	4.09%	Beats 42%	31 / 53
Efficiency Ratio	71.57%	56.05%	65.05%	71.57%	Beats 26%	40 / 53
Asset Quality
Nonperforming Loans / Loans	0.52%	0.14%	0.52%	1.20%	Beats 51%	27 / 53
Net Charge-Offs / Loans	0.17%	0.00%	0.01%	0.08%	Beats 25%	41 / 53
Capital
Tier 1 Capital Ratio	10.86%	10.73%	12.98%	15.08%	Beats 28%	38 / 53
Total Risk-Based Capital Ratio	11.57%	11.49%	13.79%	16.34%	Beats 26%	39 / 53
Equity / Assets	8.26%	8.08%	9.25%	10.72%	Beats 34%	35 / 53
Liquidity & Funding
Loans / Deposits	102.16%	72.13%	82.29%	93.80%	89th pctl	6 / 53
Loans / Assets	86.85%	63.64%	71.80%	79.37%	94th pctl	3 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution