Frost State Bank
Frost, MN · Cert 26519 · Peer group: banks under $1B in assets in MN (n=117-119)
FDIC · 1 branch
Q3 2025
$53.8MAssets
$46.6MLoans
$44.0MDeposits
$9.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of banks under $1B in assets in MN (rank 2 of 119).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in MN (rank 117 of 117).
- Overall: at or above the peer median on 7 of 10 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $719K · efficiency ratio beats 99% 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 | 1.43% | 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 | |