Welcome State Bank
Welcome, MN · Cert 11417 · Peer group: banks under $1B in assets in MN (n=111-113) · Welcome Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$44.3MAssets
$30.5MLoans
$38.1MDeposits
$5.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 12 of 111).
- Widest gap: total risk-based capital ratio trails 68% of banks under $1B in assets in MN (rank 77 of 113).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.63%
Rank 3 of 113
Net Interest Margin
4.38%
Rank 23 of 113
Efficiency Ratio
40.45%
Rank 5 of 113
Equity / Assets
12.95%
Rank 22 of 113
Non-interest income vs. expense
Unfavorable gap of $0.5M · efficiency ratio beats 96% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.63% | 0.87% | 1.20% | 1.41% | Beats 97% | 3 / 113 | | |
| Return on Equity | 20.32% | 8.92% | 11.27% | 13.99% | Beats 96% | 4 / 113 | | |
| Net Interest Margin | 4.38% | 3.42% | 3.88% | 4.31% | Beats 80% | 23 / 113 | | |
| Efficiency Ratio | 40.45% | 54.13% | 61.48% | 69.86% | Beats 96% | 5 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.58% | 1.82% | Beats 100% | 12 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 12.81% | 11.53% | 13.31% | 18.13% | Beats 43% | 64 / 113 | | |
| Total Risk-Based Capital Ratio | 12.81% | 12.12% | 14.43% | 19.39% | Beats 32% | 77 / 113 | | |
| Equity / Assets | 12.95% | 8.52% | 10.10% | 11.94% | Beats 81% | 22 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.20% | 62.08% | 77.32% | 88.06% | 56th pctl | 49 / 111 | | |
| Loans / Assets | 68.92% | 55.01% | 66.35% | 75.50% | 55th pctl | 51 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |