Profinium, Inc.
Truman, MN · Cert 1905 · Peer group: banks under $1B in assets in MN (n=111-113) · Profinium Finl Holdings Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
$533.1MAssets
$393.9MLoans
$455.1MDeposits
$49.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 71% of banks under $1B in assets in MN (rank 33 of 111).
- Widest gap: net interest margin trails 82% of banks under $1B in assets in MN (rank 93 of 113).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.91%
Rank 81 of 113
Net Interest Margin
3.15%
Rank 93 of 113
Efficiency Ratio
66.59%
Rank 78 of 113
Equity / Assets
9.31%
Rank 73 of 113
Non-interest income vs. expense
Unfavorable gap of $10.3M · efficiency ratio beats 32% 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 | 0.91% | 0.87% | 1.20% | 1.41% | Beats 28% | 81 / 113 | | |
| Return on Equity | 9.79% | 8.92% | 11.27% | 13.99% | Beats 35% | 74 / 113 | | |
| Net Interest Margin | 3.15% | 3.42% | 3.88% | 4.31% | Beats 18% | 93 / 113 | | |
| Efficiency Ratio | 66.59% | 54.13% | 61.48% | 69.86% | Beats 32% | 78 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.58% | 1.82% | Beats 71% | 33 / 111 | | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.04% | Beats 26% | 83 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 13.17% | 11.53% | 13.31% | 18.13% | Beats 48% | 59 / 113 | | |
| Total Risk-Based Capital Ratio | 14.42% | 12.12% | 14.43% | 19.39% | Beats 49% | 58 / 113 | | |
| Equity / Assets | 9.31% | 8.52% | 10.10% | 11.94% | Beats 35% | 73 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.57% | 62.08% | 77.32% | 88.06% | 71st pctl | 32 / 111 | | |
| Loans / Assets | 73.90% | 55.01% | 66.35% | 75.50% | 66th pctl | 38 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |