Rushford State Bank (Incorporated)
Rushford, MN · Cert 11411 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Rushford State Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$114.7MAssets
$58.4MLoans
$104.8MDeposits
$9.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets operating in a single state (rank 2 of 746).
- Widest gap: net interest margin trails 100% of banks under $1B in assets operating in a single state (rank 745 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.31%
Rank 667 of 746
Net Interest Margin
0.42%
Rank 745 of 746
Efficiency Ratio
4.18%
Rank 2 of 746
Equity / Assets
8.34%
Rank 619 of 746
Non-interest income vs. expense
Unfavorable gap of $2K · efficiency ratio beats 100% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.31% | 0.72% | 1.06% | 1.45% | Beats 11% | 667 / 746 | | |
| Return on Equity | 3.76% | 6.74% | 10.51% | 13.63% | Beats 13% | 648 / 746 | | |
| Net Interest Margin | 0.42% | 3.17% | 3.68% | 4.16% | Beats 0% | 745 / 746 | | |
| Efficiency Ratio | 4.18% | 55.74% | 64.58% | 75.47% | Beats 100% | 2 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.09% | 0.42% | 1.07% | Beats 30% | 524 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.38% | 11.55% | 13.75% | 17.60% | Beats 46% | 406 / 746 | | |
| Total Risk-Based Capital Ratio | 14.24% | 11.71% | 14.33% | 18.43% | Beats 49% | 380 / 746 | | |
| Equity / Assets | 8.34% | 8.90% | 10.51% | 13.06% | Beats 17% | 619 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.72% | 61.31% | 78.27% | 90.78% | 18th pctl | 608 / 746 | | |
| Loans / Assets | 50.89% | 53.60% | 66.97% | 76.08% | 21st pctl | 586 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |