Farmers State Bank of Trimont
Trimont, MN · Cert 1929 · Peer group: banks under $1B in assets in MN (n=111-113) · FSB Holding Co. Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$73.1MAssets
$43.1MLoans
$60.7MDeposits
$11.1MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 88% of banks under $1B in assets in MN (rank 13 of 113).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in MN (rank 111 of 111).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.35%
Rank 112 of 113
Net Interest Margin
3.44%
Rank 84 of 113
Efficiency Ratio
53.38%
Rank 26 of 113
Equity / Assets
15.25%
Rank 13 of 113
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 78% 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 | -0.35% | 0.87% | 1.20% | 1.41% | Beats 1% | 112 / 113 | | |
| Return on Equity | -2.31% | 8.92% | 11.27% | 13.99% | Beats 1% | 112 / 113 | | |
| Net Interest Margin | 3.44% | 3.42% | 3.88% | 4.31% | Beats 26% | 84 / 113 | | |
| Efficiency Ratio | 53.38% | 54.13% | 61.48% | 69.86% | Beats 78% | 26 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.05% | 0.09% | 0.58% | 1.82% | Beats 35% | 73 / 111 | | |
| Net Charge-Offs / Loans | 2.08% | n/a | 0.00% | 0.04% | Beats 1% | 111 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 24.06% | 11.53% | 13.31% | 18.13% | Beats 86% | 16 / 113 | | |
| Total Risk-Based Capital Ratio | 25.31% | 12.12% | 14.43% | 19.39% | Beats 86% | 16 / 113 | | |
| Equity / Assets | 15.25% | 8.52% | 10.10% | 11.94% | Beats 88% | 13 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.00% | 62.08% | 77.32% | 88.06% | 37th pctl | 70 / 111 | | |
| Loans / Assets | 58.98% | 55.01% | 66.35% | 75.50% | 33rd pctl | 76 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |