Minnstar Bank National Association
Lake Crystal, MN · Cert 13809 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lake Crystal Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
$204.0MAssets
$172.2MLoans
$180.3MDeposits
$20.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 71% of banks under $1B in assets operating in a single state (rank 218 of 743).
- Widest gap: net interest margin trails 61% of banks under $1B in assets operating in a single state (rank 456 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.04%
Rank 391 of 746
Net Interest Margin
3.49%
Rank 456 of 746
Efficiency Ratio
61.76%
Rank 310 of 746
Equity / Assets
10.25%
Rank 394 of 746
Non-interest income vs. expense
Unfavorable gap of $4.2M · efficiency ratio beats 59% 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 | 1.04% | 0.72% | 1.06% | 1.45% | Beats 48% | 391 / 746 | | |
| Return on Equity | 10.10% | 6.74% | 10.51% | 13.63% | Beats 47% | 394 / 746 | | |
| Net Interest Margin | 3.49% | 3.17% | 3.68% | 4.16% | Beats 39% | 456 / 746 | | |
| Efficiency Ratio | 61.76% | 55.74% | 64.58% | 75.47% | Beats 59% | 310 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.42% | 1.07% | Beats 55% | 334 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 71% | 218 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.42% | 11.55% | 13.75% | 17.60% | Beats 46% | 403 / 746 | | |
| Total Risk-Based Capital Ratio | 14.67% | 11.71% | 14.33% | 18.43% | Beats 52% | 358 / 746 | | |
| Equity / Assets | 10.25% | 8.90% | 10.51% | 13.06% | Beats 47% | 394 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.53% | 61.31% | 78.27% | 90.78% | 85th pctl | 111 / 746 | | |
| Loans / Assets | 84.41% | 53.60% | 66.97% | 76.08% | 94th pctl | 44 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |