Frost, MN · Cert 26519
FDIC · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MN (n=117 to 119). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
81
Asset Quality
27
Profitability
68
Liquidity
0
Efficiency
99
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Frost, MN · Cert 26519
FDIC · 1 branch
Q3 2025
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.03% | 2.45% | 2.39% | 2.37% | 1.88% | 0.88% | 1.11% | 1.44% | -93 bps | |
| Return on Equity | 12.96% | 15.19% | 14.51% | 14.11% | 11.30% | 5.43% | 6.78% | 8.74% | -537 bps | |
| Net Interest Margin | 4.20% | 4.69% | 4.60% | 4.61% | 4.35% | 4.05% | 4.18% | 4.25% | -36 bps | |
| Efficiency Ratio | 35.82% | 29.53% | 30.77% | 31.39% | 34.80% | 35.46% | 34.31% | 35.16% | +377 bps | |
| Non-Interest Burden | 1.32% | 1.21% | 1.22% | 1.25% | 1.32% | 1.30% | 1.30% | 1.35% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.11% | -0.90% | 2.51% | 2.76% | 1.92% | 5.77% | 5.72% | 5.72% | +296 bps | |
| Loan Growth (YoY) | 6.08% | 13.88% | 9.43% | 6.15% | -1.92% | 2.97% | 8.41% | 5.98% | -17 bps | |
| Deposit Growth (YoY) | -7.62% | -5.23% | 0.95% | 1.70% | 5.99% | 8.98% | 6.59% | 6.94% | +524 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.31% | 0.30% | 0.31% | 1.43% | 0.33% | 0.31% | 0.44% | +14 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.40% | -0.21% | -0.15% | -0.11% | 3.80% | 2.35% | 1.72% | +187 bps | |
| Allowance / Loans | 1.15% | 1.22% | 1.22% | 1.24% | 1.75% | 1.13% | 1.10% | 1.05% | -19 bps | |
| Allowance Coverage of NPLs | 3.6x | 4.0x | 4.1x | 4.0x | 1.2x | 3.4x | 3.6x | 2.4x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.19% | 16.66% | 17.19% | 17.93% | 16.58% | 16.38% | 16.72% | 17.14% | -79 bps | |
| Total Risk-Based Capital | 18.84% | 19.42% | 19.92% | 20.22% | 19.68% | 19.10% | 18.68% | 19.18% | -104 bps | |
| Equity / Assets | 15.64% | 16.63% | 17.23% | 17.67% | 16.24% | 16.24% | 16.58% | 16.97% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.69% | 108.63% | 107.34% | 106.86% | 96.88% | 102.63% | 109.17% | 105.90% | -96 bps | |
| Liquid Assets / Assets | 9.07% | 8.30% | 4.40% | 2.92% | 2.35% | 4.17% | 3.72% | 3.23% | +32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 16.44% | n/a | n/a |
Frost, MN · Cert 26519 · Peer group: banks under $1B in assets in MN (n=117-119)
FDIC · 1 branch
Q3 2025
Return on Assets
1.43%
Rank 19 of 119
Net Interest Margin
4.25%
Rank 23 of 119
Efficiency Ratio
35.16%
Rank 2 of 119
Equity / Assets
16.97%
Rank 9 of 119
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.43% | 0.71% | 1.03% | 1.34% | Beats 84% | 19 / 119 | ||
| Return on Equity | 8.42% | 7.18% | 10.35% | 12.77% | Beats 39% | 72 / 119 | ||
| Net Interest Margin | 4.25% | 3.15% | 3.65% | 4.14% | Beats 81% | 23 / 119 | ||
| Efficiency Ratio | 35.16% | 57.01% | 62.78% | 71.70% | Beats 99% | 2 / 119 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.05% | 0.47% | 1.17% | Beats 52% | 57 / 117 | ||
| Net Charge-Offs / Loans | 1.38% | 0.00% | 0.02% | 0.10% | Beats 1% | 117 / 117 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.21% | 11.51% | 13.74% | 18.21% | Beats 75% | 30 / 119 | ||
| Total Risk-Based Capital Ratio | 19.18% | 12.03% | 14.74% | 19.18% | Beats 75% | 30 / 119 | ||
| Equity / Assets | 16.97% | 8.46% | 10.17% | 11.87% | Beats 92% | 9 / 119 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 105.90% | 63.87% | 77.77% | 88.21% | 92nd pctl | 9 / 117 | ||
| Loans / Assets | 86.51% | 55.21% | 67.03% | 76.20% | 92nd pctl | 9 / 117 | ||
| Brokered Deposits / Deposits | 12.64% | n/a | n/a | 1.68% | Beats 7% | 110 / 117 | n/a | |