Root River State Bank
Chatfield, MN · Cert 1098 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Johnson Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$86.8MAssets
$28.3MLoans
$80.4MDeposits
$6.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net interest margin trails 98% of banks under $1B in assets operating in a single state (rank 728 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.14%
Rank 704 of 746
Net Interest Margin
1.98%
Rank 728 of 746
Efficiency Ratio
94.42%
Rank 713 of 746
Equity / Assets
7.10%
Rank 693 of 746
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 5% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.14% | 0.72% | 1.06% | 1.45% | Beats 6% | 704 / 746 | |
| Return on Equity | 2.01% | 6.74% | 10.51% | 13.63% | Beats 8% | 683 / 746 | |
| Net Interest Margin | 1.98% | 3.17% | 3.68% | 4.16% | Beats 2% | 728 / 746 | |
| Efficiency Ratio | 94.42% | 55.74% | 64.58% | 75.47% | Beats 5% | 713 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 19.54% | 11.55% | 13.75% | 17.60% | Beats 82% | 138 / 746 | |
| Total Risk-Based Capital Ratio | 20.11% | 11.71% | 14.33% | 18.43% | Beats 81% | 141 / 746 | |
| Equity / Assets | 7.10% | 8.90% | 10.51% | 13.06% | Beats 7% | 693 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 35.14% | 61.31% | 78.27% | 90.78% | 3rd pctl | 722 / 746 | |
| Loans / Assets | 32.58% | 53.60% | 66.97% | 76.08% | 4th pctl | 716 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |