Worthington Federal Savings Bank, F.S.B.
Worthington, MN · Cert 29426 · Peer group: banks under $1B in assets in MN (n=111-113)
State savings bank · OCC · 3 branches
Q2 2026
$135.4MAssets
$88.9MLoans
$113.3MDeposits
$19.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
- Widest gap: net interest margin trails 92% of banks under $1B in assets in MN (rank 104 of 113).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.61%
Rank 101 of 113
Net Interest Margin
2.80%
Rank 104 of 113
Efficiency Ratio
68.74%
Rank 83 of 113
Equity / Assets
14.65%
Rank 16 of 113
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 27% 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 | 0.61% | 0.87% | 1.20% | 1.41% | Beats 11% | 101 / 113 | | |
| Return on Equity | 4.17% | 8.92% | 11.27% | 13.99% | Beats 11% | 101 / 113 | | |
| Net Interest Margin | 2.80% | 3.42% | 3.88% | 4.31% | Beats 8% | 104 / 113 | | |
| Efficiency Ratio | 68.74% | 54.13% | 61.48% | 69.86% | Beats 27% | 83 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.09% | 0.58% | 1.82% | Beats 50% | 57 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 31.06% | 11.53% | 13.31% | 18.13% | Beats 92% | 9 / 113 | | |
| Total Risk-Based Capital Ratio | 31.89% | 12.12% | 14.43% | 19.39% | Beats 92% | 9 / 113 | | |
| Equity / Assets | 14.65% | 8.52% | 10.10% | 11.94% | Beats 86% | 16 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.41% | 62.08% | 77.32% | 88.06% | 52nd pctl | 53 / 111 | | |
| Loans / Assets | 65.64% | 55.01% | 66.35% | 75.50% | 47th pctl | 60 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |