American State Bank of Grygla
Grygla, MN · Cert 22263 · Peer group: banks under $1B in assets in MN (n=112-114) · Grygla Financial Corp.
State charter, Fed member · FED · 2 branches
Q2 2026
$81.8MAssets
$42.3MLoans
$73.9MDeposits
$7.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 12 of 112).
- Widest gap: total risk-based capital ratio trails 86% of banks under $1B in assets in MN (rank 98 of 114).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.24%
Rank 50 of 114
Net Interest Margin
3.45%
Rank 83 of 114
Efficiency Ratio
61.67%
Rank 59 of 114
Equity / Assets
9.11%
Rank 80 of 114
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 49% 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 | 1.24% | 0.87% | 1.20% | 1.41% | Beats 56% | 50 / 114 | |
| Return on Equity | 13.60% | 8.92% | 11.27% | 13.99% | Beats 72% | 32 / 114 | |
| Net Interest Margin | 3.45% | 3.39% | 3.88% | 4.31% | Beats 27% | 83 / 114 | |
| Efficiency Ratio | 61.67% | 54.13% | 61.64% | 69.86% | Beats 49% | 59 / 114 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.58% | 1.82% | Beats 100% | 12 / 112 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 112 | |
| Capital |
| Tier 1 Capital Ratio | 10.83% | 11.46% | 13.31% | 18.13% | Beats 17% | 95 / 114 | |
| Total Risk-Based Capital Ratio | 10.83% | 12.01% | 14.43% | 19.39% | Beats 14% | 98 / 114 | |
| Equity / Assets | 9.11% | 8.52% | 10.22% | 11.94% | Beats 30% | 80 / 114 | |
| Liquidity & Funding |
| Loans / Deposits | 57.16% | 62.85% | 77.32% | 88.06% | 16th pctl | 94 / 112 | |
| Loans / Assets | 51.68% | 55.01% | 66.35% | 75.50% | 20th pctl | 91 / 114 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |