New Market Bank

Elko New Market, MN · Cert 1931 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Market Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$196.0MAssets

$118.0MLoans

$177.5MDeposits

$17.1MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 3 of 53).
Widest gap: efficiency ratio trails 62% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 34 of 53).
Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.11%

Rank 27 of 53

Net Interest Margin

4.16%

Rank 11 of 53

Efficiency Ratio

67.62%

Rank 34 of 53

Equity / Assets

8.74%

Rank 31 of 53

Non-interest income vs. expense

Unfavorable gap of $4.9M · efficiency ratio beats 38% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.11%	0.73%	1.11%	1.30%	Beats 49%	27 / 53
Return on Equity	12.74%	7.88%	12.20%	14.12%	Beats 55%	24 / 53
Net Interest Margin	4.16%	3.39%	3.77%	4.09%	Beats 79%	11 / 53
Efficiency Ratio	67.62%	56.05%	65.05%	71.57%	Beats 38%	34 / 53
Asset Quality
Nonperforming Loans / Loans	0.00%	0.14%	0.52%	1.20%	Beats 100%	3 / 53
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.08%	Beats 100%	13 / 53
Capital
Tier 1 Capital Ratio	13.07%	10.73%	12.98%	15.08%	Beats 51%	26 / 53
Total Risk-Based Capital Ratio	14.25%	11.49%	13.79%	16.34%	Beats 57%	23 / 53
Equity / Assets	8.74%	8.08%	9.25%	10.72%	Beats 42%	31 / 53
Liquidity & Funding
Loans / Deposits	66.48%	72.13%	82.29%	93.80%	19th pctl	43 / 53
Loans / Assets	60.22%	63.64%	71.80%	79.37%	21st pctl	42 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution