First Bank Blue Earth
Blue Earth, MN · Cert 5097 · Peer group: banks under $1B in assets in MN (n=111-113) · FNB Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$322.7MAssets
$212.2MLoans
$283.2MDeposits
$23.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 58% of banks under $1B in assets in MN (rank 48 of 111).
- Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets in MN (rank 111 of 113).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.43%
Rank 105 of 113
Net Interest Margin
2.40%
Rank 111 of 113
Efficiency Ratio
69.69%
Rank 84 of 113
Equity / Assets
7.36%
Rank 103 of 113
Non-interest income vs. expense
Unfavorable gap of $5.2M · 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 | 0.43% | 0.87% | 1.20% | 1.41% | Beats 7% | 105 / 113 | | |
| Return on Equity | 5.80% | 8.92% | 11.27% | 13.99% | Beats 14% | 97 / 113 | | |
| Net Interest Margin | 2.40% | 3.42% | 3.88% | 4.31% | Beats 2% | 111 / 113 | | |
| Efficiency Ratio | 69.69% | 54.13% | 61.48% | 69.86% | Beats 27% | 84 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.09% | 0.58% | 1.82% | Beats 58% | 48 / 111 | | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.00% | 0.04% | Beats 21% | 89 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 9.47% | 11.53% | 13.31% | 18.13% | Beats 2% | 111 / 113 | | |
| Total Risk-Based Capital Ratio | 9.47% | 12.12% | 14.43% | 19.39% | Beats 2% | 111 / 113 | | |
| Equity / Assets | 7.36% | 8.52% | 10.10% | 11.94% | Beats 9% | 103 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.95% | 62.08% | 77.32% | 88.06% | 47th pctl | 59 / 111 | | |
| Loans / Assets | 65.77% | 55.01% | 66.35% | 75.50% | 48th pctl | 59 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |