Grand Timber Bank
McGregor, MN · Cert 18719 · Peer group: banks under $1B in assets in MN (n=111-113) · Midcountry Acquisition Corp.
State charter, non-member · FDIC · 3 affiliate banks · 1 branch (26 in holding)
Q2 2026
$64.5MAssets
$55.6MLoans
$53.9MDeposits
$8.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets in MN (rank 1 of 113).
- Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets in MN (rank 106 of 111).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.26%
Rank 48 of 113
Net Interest Margin
5.68%
Rank 1 of 113
Efficiency Ratio
66.20%
Rank 77 of 113
Equity / Assets
12.73%
Rank 23 of 113
Non-interest income vs. expense
Unfavorable gap of $2.4M · efficiency ratio beats 33% 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 | 1.26% | 0.87% | 1.20% | 1.41% | Beats 58% | 48 / 113 | | |
| Return on Equity | 9.91% | 8.92% | 11.27% | 13.99% | Beats 35% | 73 / 113 | | |
| Net Interest Margin | 5.68% | 3.42% | 3.88% | 4.31% | Beats 99% | 1 / 113 | | |
| Efficiency Ratio | 66.20% | 54.13% | 61.48% | 69.86% | Beats 33% | 77 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.81% | 0.09% | 0.58% | 1.82% | Beats 10% | 101 / 111 | | |
| Net Charge-Offs / Loans | 0.43% | n/a | 0.00% | 0.04% | Beats 5% | 106 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 13.31% | 11.53% | 13.31% | 18.13% | Beats 50% | 57 / 113 | | |
| Total Risk-Based Capital Ratio | 14.54% | 12.12% | 14.43% | 19.39% | Beats 50% | 56 / 113 | | |
| Equity / Assets | 12.73% | 8.52% | 10.10% | 11.94% | Beats 80% | 23 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.20% | 62.08% | 77.32% | 88.06% | 92nd pctl | 9 / 111 | | |
| Loans / Assets | 86.12% | 55.01% | 66.35% | 75.50% | 92nd pctl | 9 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |