First State Bank of Bigfork
Bigfork, MN · Cert 10991 · Peer group: banks under $1B in assets in MN (n=111-113) · Bigfork Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$117.4MAssets
$80.9MLoans
$101.3MDeposits
$13.2MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 80% of banks under $1B in assets in MN (rank 23 of 113).
- Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets in MN (rank 109 of 111).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.09%
Rank 64 of 113
Net Interest Margin
3.95%
Rank 52 of 113
Efficiency Ratio
65.54%
Rank 74 of 113
Equity / Assets
11.27%
Rank 41 of 113
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 35% 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 | 1.09% | 0.87% | 1.20% | 1.41% | Beats 43% | 64 / 113 | |
| Return on Equity | 9.64% | 8.92% | 11.27% | 13.99% | Beats 33% | 76 / 113 | |
| Net Interest Margin | 3.95% | 3.42% | 3.88% | 4.31% | Beats 54% | 52 / 113 | |
| Efficiency Ratio | 65.54% | 54.13% | 61.48% | 69.86% | Beats 35% | 74 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.39% | 0.09% | 0.58% | 1.82% | Beats 3% | 109 / 111 | |
| Net Charge-Offs / Loans | 0.14% | n/a | 0.00% | 0.04% | Beats 14% | 96 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 19.22% | 11.53% | 13.31% | 18.13% | Beats 78% | 25 / 113 | |
| Total Risk-Based Capital Ratio | 20.47% | 12.12% | 14.43% | 19.39% | Beats 80% | 23 / 113 | |
| Equity / Assets | 11.27% | 8.52% | 10.10% | 11.94% | Beats 64% | 41 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 79.92% | 62.08% | 77.32% | 88.06% | 55th pctl | 50 / 111 | |
| Loans / Assets | 68.95% | 55.01% | 66.35% | 75.50% | 56th pctl | 50 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |