Manhattan Bank
Manhattan, MT · Cert 11823 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · MSB Financial Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$287.1MAssets
$162.6MLoans
$252.7MDeposits
$24.0MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 76% of banks under $1B in assets operating in a single state (rank 182 of 746).
- Widest gap: equity / assets trails 82% of banks under $1B in assets operating in a single state (rank 615 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.08%
Rank 362 of 746
Net Interest Margin
3.54%
Rank 429 of 746
Efficiency Ratio
63.09%
Rank 339 of 746
Equity / Assets
8.37%
Rank 615 of 746
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 55% 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 | 1.08% | 0.72% | 1.06% | 1.45% | Beats 51% | 362 / 746 | | |
| Return on Equity | 12.91% | 6.74% | 10.51% | 13.63% | Beats 69% | 231 / 746 | | |
| Net Interest Margin | 3.54% | 3.17% | 3.68% | 4.16% | Beats 42% | 429 / 746 | | |
| Efficiency Ratio | 63.09% | 55.74% | 64.58% | 75.47% | Beats 55% | 339 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.09% | 0.42% | 1.07% | Beats 56% | 328 / 743 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 31% | 516 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 17.25% | 11.55% | 13.75% | 17.60% | Beats 73% | 199 / 746 | | |
| Total Risk-Based Capital Ratio | 18.51% | 11.71% | 14.33% | 18.43% | Beats 76% | 182 / 746 | | |
| Equity / Assets | 8.37% | 8.90% | 10.51% | 13.06% | Beats 18% | 615 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.35% | 61.31% | 78.27% | 90.78% | 28th pctl | 534 / 746 | | |
| Loans / Assets | 56.66% | 53.60% | 66.97% | 76.08% | 30th pctl | 519 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |