Neighborhood National Bank
Mora, MN · Cert 18885 · Peer group: banks under $1B in assets in MN (n=111-113) · Peoples Bankshares Inc.
National charter · OCC · 6 branches
Q2 2026
$312.2MAssets
$194.7MLoans
$252.1MDeposits
$23.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 70% of banks under $1B in assets in MN (rank 34 of 113).
- Widest gap: equity / assets trails 89% of banks under $1B in assets in MN (rank 101 of 113).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.88%
Rank 83 of 113
Net Interest Margin
3.46%
Rank 81 of 113
Efficiency Ratio
70.48%
Rank 87 of 113
Equity / Assets
7.61%
Rank 101 of 113
Non-interest income vs. expense
Unfavorable gap of $7.2M · efficiency ratio beats 24% 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 | 0.88% | 0.87% | 1.20% | 1.41% | Beats 27% | 83 / 113 | | |
| Return on Equity | 11.60% | 8.92% | 11.27% | 13.99% | Beats 53% | 53 / 113 | | |
| Net Interest Margin | 3.46% | 3.42% | 3.88% | 4.31% | Beats 28% | 81 / 113 | | |
| Efficiency Ratio | 70.48% | 54.13% | 61.48% | 69.86% | Beats 24% | 87 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.31% | 0.09% | 0.58% | 1.82% | Beats 14% | 97 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 54% | 52 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 16.54% | 11.53% | 13.31% | 18.13% | Beats 70% | 34 / 113 | | |
| Total Risk-Based Capital Ratio | 17.56% | 12.12% | 14.43% | 19.39% | Beats 69% | 35 / 113 | | |
| Equity / Assets | 7.61% | 8.52% | 10.10% | 11.94% | Beats 11% | 101 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.24% | 62.08% | 77.32% | 88.06% | 49th pctl | 57 / 111 | | |
| Loans / Assets | 62.38% | 55.01% | 66.35% | 75.50% | 39th pctl | 69 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |