Odin State Bank
Odin, MN · Cert 14574 · Peer group: banks under $1B in assets in MN (n=111-113) · Odin Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$82.4MAssets
$60.0MLoans
$74.4MDeposits
$6.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 82% of banks under $1B in assets in MN (rank 21 of 113).
- Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets in MN (rank 110 of 111).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-0.11%
Rank 111 of 113
Net Interest Margin
3.74%
Rank 68 of 113
Efficiency Ratio
52.64%
Rank 21 of 113
Equity / Assets
8.18%
Rank 90 of 113
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 82% 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 | -0.11% | 0.87% | 1.20% | 1.41% | Beats 2% | 111 / 113 | |
| Return on Equity | -1.33% | 8.92% | 11.27% | 13.99% | Beats 2% | 111 / 113 | |
| Net Interest Margin | 3.74% | 3.42% | 3.88% | 4.31% | Beats 40% | 68 / 113 | |
| Efficiency Ratio | 52.64% | 54.13% | 61.48% | 69.86% | Beats 82% | 21 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.17% | 0.09% | 0.58% | 1.82% | Beats 19% | 91 / 111 | |
| Net Charge-Offs / Loans | 1.59% | n/a | 0.00% | 0.04% | Beats 2% | 110 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 11.94% | 11.53% | 13.31% | 18.13% | Beats 33% | 76 / 113 | |
| Total Risk-Based Capital Ratio | 13.11% | 12.12% | 14.43% | 19.39% | Beats 40% | 68 / 113 | |
| Equity / Assets | 8.18% | 8.52% | 10.10% | 11.94% | Beats 20% | 90 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 80.60% | 62.08% | 77.32% | 88.06% | 57th pctl | 48 / 111 | |
| Loans / Assets | 72.78% | 55.01% | 66.35% | 75.50% | 62nd pctl | 43 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |