1st United Bank
Faribault, MN · Cert 31249 · Peer group: banks under $1B in assets in MN (n=122-124)
FDIC · 2 branches
Q1 2025
$167.2MAssets
$76.0MLoans
$148.3MDeposits
$17.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 27 of 122).
- Widest gap: net interest margin trails 78% of banks under $1B in assets in MN (rank 97 of 124).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.06%
Rank 52 of 124
Net Interest Margin
2.99%
Rank 97 of 124
Efficiency Ratio
55.62%
Rank 26 of 124
Equity / Assets
10.69%
Rank 46 of 124
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 80% 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 | 1.06% | 0.63% | 0.94% | 1.29% | Beats 58% | 52 / 124 | |
| Return on Equity | 9.87% | 6.93% | 10.21% | 12.87% | Beats 48% | 64 / 124 | |
| Net Interest Margin | 2.99% | 3.04% | 3.52% | 3.97% | Beats 22% | 97 / 124 | |
| Efficiency Ratio | 55.62% | 57.88% | 65.92% | 75.89% | Beats 80% | 26 / 124 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.20% | Beats 100% | 27 / 122 | |
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.01% | Beats 100% | 71 / 122 | |
| Capital |
| Tier 1 Capital Ratio | 16.81% | 11.38% | 13.15% | 17.74% | Beats 71% | 36 / 124 | |
| Total Risk-Based Capital Ratio | 17.90% | 11.99% | 13.93% | 18.89% | Beats 71% | 36 / 124 | |
| Equity / Assets | 10.69% | 7.96% | 9.56% | 11.71% | Beats 63% | 46 / 124 | |
| Liquidity & Funding |
| Loans / Deposits | 51.29% | 60.74% | 74.69% | 88.04% | 15th pctl | 104 / 122 | |
| Loans / Assets | 45.49% | 53.37% | 65.91% | 77.15% | 15th pctl | 104 / 122 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |