Redwood Falls, MN · Cert 16958 · Minnwest Corp.
State charter, non-member · FDIC · 36 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
40
Profitability
54
Liquidity
85
Efficiency
51
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Redwood Falls, MN · Cert 16958 · Minnwest Corp.
State charter, non-member · FDIC · 36 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.2% share · #29 of 125 inst. · $0.6B of $253.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.69% | 0.74% | 0.83% | 0.93% | 0.92% | 1.25% | 1.14% | +32 bps | |
| Return on Equity | 7.38% | 7.62% | 7.74% | 8.40% | 9.20% | 9.00% | 11.39% | 10.26% | +187 bps | |
| Net Interest Margin | 2.81% | 2.91% | 3.13% | 3.41% | 3.50% | 3.62% | 3.93% | 4.08% | +67 bps | |
| Efficiency Ratio | 69.41% | 69.29% | 66.44% | 63.11% | 61.48% | 62.00% | 57.95% | 59.02% | -409 bps | |
| Non-Interest Burden | 1.82% | 1.88% | 1.94% | 1.94% | 1.94% | 2.04% | 2.02% | 2.16% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.10% | 1.64% | 0.45% | -7.04% | -7.01% | -4.71% | -4.09% | 0.59% | +763 bps | |
| Loan Growth (YoY) | 6.58% | 2.56% | -1.00% | -5.19% | -7.44% | -6.16% | 0.82% | 6.40% | +1,159 bps | |
| Deposit Growth (YoY) | 8.76% | 9.11% | 8.83% | -0.89% | -5.99% | -6.41% | -5.65% | -0.41% | +47 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.14% | 0.59% | 1.00% | 1.23% | 0.62% | 0.46% | 0.56% | -45 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.18% | 0.17% | 0.15% | 0.12% | 0.32% | 0.22% | 0.19% | +5 bps | |
| Allowance / Loans | 1.45% | 1.32% | 1.37% | 1.50% | 1.60% | 1.43% | 1.36% | 1.40% | -10 bps | |
| Allowance Coverage of NPLs | 5.1x | 9.1x | 2.3x | 1.5x | 1.3x | 2.3x | 3.0x | 2.5x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.61% | 8.90% | 9.00% | 9.66% | 9.85% | 10.14% | 10.41% | 10.80% | +114 bps | |
| Total Risk-Based Capital | 11.91% | 11.88% | 12.38% | 13.03% | 13.76% | 13.55% | 13.34% | 13.33% | +30 bps | |
| Equity / Assets | 9.30% | 9.33% | 9.74% | 10.48% | 10.80% | 10.82% | 11.14% | 11.50% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.53% | 82.28% | 82.03% | 85.71% | 82.24% | 82.50% | 87.66% | 91.58% | +586 bps | |
| Liquid Assets / Assets | 6.14% | 5.67% | 6.40% | 4.93% | 9.31% | 10.25% | 6.19% | 3.49% | -144 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 350% | 336% | 359% | n/a | n/a | |
Redwood Falls, MN · Cert 16958 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Minnwest Corp.
State charter, non-member · FDIC · 36 branches
Q2 2026
Return on Assets
1.16%
Rank 101 of 176
Net Interest Margin
4.08%
Rank 27 of 176
Efficiency Ratio
59.28%
Rank 88 of 176
Equity / Assets
11.50%
Rank 50 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | 0.93% | 1.26% | 1.54% | Beats 43% | 101 / 176 | ||
| Return on Equity | 10.06% | 9.26% | 11.89% | 14.46% | Beats 35% | 114 / 176 | ||
| Net Interest Margin | 4.08% | 3.25% | 3.59% | 3.93% | Beats 85% | 27 / 176 | ||
| Efficiency Ratio | 59.28% | 52.79% | 59.55% | 67.66% | Beats 51% | 88 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.56% | 0.30% | 0.64% | 1.32% | Beats 57% | 77 / 176 | ||
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.04% | 0.10% | Beats 23% | 136 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.08% | 11.15% | 12.72% | 14.15% | Beats 43% | 101 / 176 | ||
| Total Risk-Based Capital Ratio | 13.33% | 11.81% | 13.63% | 15.33% | Beats 45% | 96 / 176 | ||
| Equity / Assets | 11.50% | 9.16% | 10.35% | 11.80% | Beats 72% | 50 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.58% | 80.94% | 89.73% | 97.21% | 58th pctl | 74 / 176 | ||
| Loans / Assets | 80.03% | 69.25% | 75.12% | 80.82% | 69th pctl | 54 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||