American National Bank of Minnesota
Baxter, MN · Cert 26499 · Peer group: banks under $1B in assets in MN (n=111-113) · American Bcorp of MN Inc.
National charter · OCC · 10 branches
Q2 2026
$473.2MAssets
$386.6MLoans
$347.6MDeposits
$50.7MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 59% of banks under $1B in assets in MN (rank 46 of 113).
- Widest gap: nonperforming loans / loans trails 62% of banks under $1B in assets in MN (rank 70 of 111).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.12%
Rank 62 of 113
Net Interest Margin
3.88%
Rank 57 of 113
Efficiency Ratio
65.04%
Rank 70 of 113
Equity / Assets
10.72%
Rank 49 of 113
Non-interest income vs. expense
Unfavorable gap of $11.7M · efficiency ratio beats 39% 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 | 1.12% | 0.87% | 1.20% | 1.41% | Beats 45% | 62 / 113 | | |
| Return on Equity | 10.48% | 8.92% | 11.27% | 13.99% | Beats 40% | 68 / 113 | | |
| Net Interest Margin | 3.88% | 3.42% | 3.88% | 4.31% | Beats 50% | 57 / 113 | | |
| Efficiency Ratio | 65.04% | 54.13% | 61.48% | 69.86% | Beats 39% | 70 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.09% | 0.58% | 1.82% | Beats 38% | 70 / 111 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.04% | Beats 41% | 67 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 14.32% | 11.53% | 13.31% | 18.13% | Beats 58% | 48 / 113 | | |
| Total Risk-Based Capital Ratio | 15.58% | 12.12% | 14.43% | 19.39% | Beats 59% | 46 / 113 | | |
| Equity / Assets | 10.72% | 8.52% | 10.10% | 11.94% | Beats 57% | 49 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 111.22% | 62.08% | 77.32% | 88.06% | 95th pctl | 5 / 111 | | |
| Loans / Assets | 81.69% | 55.01% | 66.35% | 75.50% | 85th pctl | 17 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |