Triumph State Bank
Trimont, MN · Cert 1906 · Peer group: banks under $1B in assets in MN (n=111-113) · Trimont Bcorp
State charter, non-member · FDIC · 4 branches
Q2 2026
$93.3MAssets
$63.9MLoans
$80.0MDeposits
$12.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets in MN (rank 8 of 113).
- Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets in MN (rank 108 of 111).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.56%
Rank 21 of 113
Net Interest Margin
4.85%
Rank 8 of 113
Efficiency Ratio
53.20%
Rank 24 of 113
Equity / Assets
12.97%
Rank 20 of 113
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 80% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.56% | 0.87% | 1.20% | 1.41% | Beats 81% | 21 / 113 | |
| Return on Equity | 12.04% | 8.92% | 11.27% | 13.99% | Beats 57% | 49 / 113 | |
| Net Interest Margin | 4.85% | 3.42% | 3.88% | 4.31% | Beats 93% | 8 / 113 | |
| Efficiency Ratio | 53.20% | 54.13% | 61.48% | 69.86% | Beats 80% | 24 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.00% | 0.09% | 0.58% | 1.82% | Beats 4% | 108 / 111 | |
| Net Charge-Offs / Loans | 0.09% | n/a | 0.00% | 0.04% | Beats 19% | 91 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 16.57% | 11.53% | 13.31% | 18.13% | Beats 72% | 32 / 113 | |
| Total Risk-Based Capital Ratio | 17.70% | 12.12% | 14.43% | 19.39% | Beats 71% | 33 / 113 | |
| Equity / Assets | 12.97% | 8.52% | 10.10% | 11.94% | Beats 82% | 20 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 79.79% | 62.08% | 77.32% | 88.06% | 54th pctl | 51 / 111 | |
| Loans / Assets | 68.45% | 55.01% | 66.35% | 75.50% | 53rd pctl | 53 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |