State Bank of Taunton
Taunton, MN · Cert 16906 · Peer group: banks under $1B in assets in MN (n=111-113) · Taunton Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$46.6MAssets
$26.5MLoans
$37.1MDeposits
$4.9MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 79% of banks under $1B in assets in MN (rank 24 of 113).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets in MN (rank 108 of 111).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.59%
Rank 103 of 113
Net Interest Margin
3.87%
Rank 58 of 113
Efficiency Ratio
82.15%
Rank 105 of 113
Equity / Assets
10.51%
Rank 53 of 113
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 8% 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 | 0.59% | 0.87% | 1.20% | 1.41% | Beats 9% | 103 / 113 | | |
| Return on Equity | 5.61% | 8.92% | 11.27% | 13.99% | Beats 12% | 99 / 113 | | |
| Net Interest Margin | 3.87% | 3.42% | 3.88% | 4.31% | Beats 49% | 58 / 113 | | |
| Efficiency Ratio | 82.15% | 54.13% | 61.48% | 69.86% | Beats 8% | 105 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.06% | 0.09% | 0.58% | 1.82% | Beats 7% | 104 / 111 | | |
| Net Charge-Offs / Loans | 0.83% | n/a | 0.00% | 0.04% | Beats 4% | 108 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 19.24% | 11.53% | 13.31% | 18.13% | Beats 79% | 24 / 113 | | |
| Total Risk-Based Capital Ratio | 20.44% | 12.12% | 14.43% | 19.39% | Beats 78% | 25 / 113 | | |
| Equity / Assets | 10.51% | 8.52% | 10.10% | 11.94% | Beats 53% | 53 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.43% | 62.08% | 77.32% | 88.06% | 38th pctl | 69 / 111 | | |
| Loans / Assets | 56.89% | 55.01% | 66.35% | 75.50% | 29th pctl | 80 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |