Saint Martin National Bank
Saint Martin, MN · Cert 18937 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
National charter · OCC · 1 branch
Q2 2026
$29.4MAssets
$13.4MLoans
$25.0MDeposits
$4.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net interest margin trails 56% of banks under $1B in assets operating in a single state (rank 420 of 746).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.86%
Rank 69 of 746
Net Interest Margin
3.56%
Rank 420 of 746
Efficiency Ratio
50.99%
Rank 118 of 746
Equity / Assets
14.60%
Rank 111 of 746
Non-interest income vs. expense
Unfavorable gap of $340K · efficiency ratio beats 84% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.86% | 0.72% | 1.06% | 1.45% | Beats 91% | 69 / 746 | |
| Return on Equity | 12.78% | 6.74% | 10.51% | 13.63% | Beats 68% | 236 / 746 | |
| Net Interest Margin | 3.56% | 3.17% | 3.68% | 4.16% | Beats 44% | 420 / 746 | |
| Efficiency Ratio | 50.99% | 55.74% | 64.58% | 75.47% | Beats 84% | 118 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 15.51% | 11.55% | 13.75% | 17.60% | Beats 66% | 253 / 746 | |
| Total Risk-Based Capital Ratio | 15.51% | 11.71% | 14.33% | 18.43% | Beats 60% | 302 / 746 | |
| Equity / Assets | 14.60% | 8.90% | 10.51% | 13.06% | Beats 85% | 111 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 53.34% | 61.31% | 78.27% | 90.78% | 16th pctl | 630 / 746 | |
| Loans / Assets | 45.46% | 53.60% | 66.97% | 76.08% | 14th pctl | 639 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |