Minnesota First Credit and Savings, Incorporated
Rochester, MN · Cert 26755 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 4 branches
Q2 2026
$29.9MAssets
$26.9MLoans
$24.9MDeposits
$4.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: efficiency ratio trails 93% of banks under $1B in assets operating in a single state (rank 697 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.25%
Rank 683 of 746
Net Interest Margin
4.06%
Rank 223 of 746
Efficiency Ratio
92.25%
Rank 697 of 746
Equity / Assets
14.15%
Rank 135 of 746
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 7% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.25% | 0.72% | 1.06% | 1.45% | Beats 8% | 683 / 746 | | |
| Return on Equity | 1.78% | 6.74% | 10.51% | 13.63% | Beats 8% | 690 / 746 | | |
| Net Interest Margin | 4.06% | 3.17% | 3.68% | 4.16% | Beats 70% | 223 / 746 | | |
| Efficiency Ratio | 92.25% | 55.74% | 64.58% | 75.47% | Beats 7% | 697 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.42% | 1.07% | Beats 73% | 201 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 19.92% | 11.55% | 13.75% | 17.60% | Beats 83% | 129 / 746 | | |
| Total Risk-Based Capital Ratio | 21.18% | 11.71% | 14.33% | 18.43% | Beats 83% | 124 / 746 | | |
| Equity / Assets | 14.15% | 8.90% | 10.51% | 13.06% | Beats 82% | 135 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 108.05% | 61.31% | 78.27% | 90.78% | 96th pctl | 32 / 746 | | |
| Loans / Assets | 90.02% | 53.60% | 66.97% | 76.08% | 99th pctl | 9 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |