Chisholm, MN · Cert 5113
FDIC · 3 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=535 to 585). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
3
Profitability
28
Liquidity
0
Efficiency
29
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Chisholm, MN · Cert 5113
FDIC · 3 branches
Q3 2025
Market Position · Duluth, MN-WI · 2025 SOD (annual) · 1.1% share · #14 of 27 inst. · $0.1B of $6.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.51% | 0.30% | 0.30% | 0.20% | 0.26% | 0.29% | 0.22% | -8 bps | |
| Return on Equity | 5.56% | 6.11% | 3.59% | 3.53% | 2.36% | 3.14% | 3.47% | 2.62% | -91 bps | |
| Net Interest Margin | 4.40% | 3.89% | 3.90% | 3.75% | 3.64% | 3.51% | 3.70% | 3.63% | -12 bps | |
| Efficiency Ratio | 80.73% | 82.10% | 86.97% | 85.04% | 86.59% | 79.65% | 78.32% | 76.57% | -846 bps | |
| Non-Interest Burden | 3.52% | 3.15% | 3.36% | 3.15% | 3.12% | 2.75% | 2.84% | 2.71% | -44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.84% | -6.25% | -6.78% | 0.23% | -1.56% | 0.10% | 0.54% | -1.06% | -129 bps | |
| Loan Growth (YoY) | -14.73% | -14.82% | -15.84% | -14.58% | -15.49% | -15.94% | -17.34% | -17.42% | -284 bps | |
| Deposit Growth (YoY) | -7.99% | -7.05% | -5.25% | -0.40% | -1.94% | 0.07% | 3.38% | -1.05% | -65 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.20% | 1.19% | 1.46% | 4.28% | 4.74% | 4.46% | 3.60% | 3.75% | -53 bps | |
| Net Charge-Offs / Loans | 0.25% | 1.26% | 0.97% | 0.83% | 0.90% | 1.10% | 1.59% | 1.49% | +66 bps | |
| Allowance / Loans | 1.28% | 1.07% | 1.00% | 1.06% | 1.13% | 1.18% | 1.05% | 1.41% | +35 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.9x | 0.7x | 0.2x | 0.2x | 0.3x | 0.3x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.87% | 10.08% | 9.91% | 9.88% | 9.66% | 9.74% | 10.17% | 9.88% | 0 bps | |
| Total Risk-Based Capital | 9.87% | 10.08% | 9.91% | 9.88% | 9.66% | 9.74% | 10.17% | 9.88% | 0 bps | |
| Equity / Assets | 8.15% | 8.55% | 8.50% | 9.01% | 8.31% | 8.38% | 8.18% | 8.89% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.48% | 55.20% | 56.20% | 51.30% | 48.67% | 46.36% | 44.94% | 42.81% | -848 bps | |
| Liquid Assets / Assets | 4.80% | 3.00% | 1.81% | 0.72% | 1.32% | 0.42% | 1.05% | 0.80% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 40.95% | n/a | n/a |
Chisholm, MN · Cert 5113 · Peer group: banks under $1B in assets (n=535-585)
FDIC · 3 branches
Q3 2025
Return on Assets
0.22%
Rank 518 of 585
Net Interest Margin
3.63%
Rank 228 of 584
Efficiency Ratio
76.57%
Rank 417 of 584
Equity / Assets
8.89%
Rank 428 of 584
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.60% | 0.98% | 1.45% | Beats 11% | 518 / 585 | ||
| Return on Equity | 2.48% | 5.86% | 9.54% | 12.76% | Beats 13% | 509 / 584 | ||
| Net Interest Margin | 3.63% | 2.90% | 3.43% | 3.93% | Beats 61% | 228 / 584 | ||
| Efficiency Ratio | 76.57% | 57.87% | 67.56% | 78.72% | Beats 29% | 417 / 584 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.75% | 0.06% | 0.38% | 1.05% | Beats 4% | 515 / 535 | ||
| Net Charge-Offs / Loans | 1.36% | 0.00% | 0.02% | 0.10% | Beats 2% | 526 / 535 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.88% | 11.47% | 13.94% | 18.44% | Beats 6% | 548 / 584 | ||
| Total Risk-Based Capital Ratio | 9.88% | 11.93% | 14.43% | 19.34% | Beats 5% | 552 / 584 | ||
| Equity / Assets | 8.89% | 8.74% | 10.51% | 13.41% | Beats 27% | 428 / 584 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.81% | 63.70% | 78.89% | 91.92% | 6th pctl | 511 / 546 | ||
| Loans / Assets | 38.91% | 55.77% | 68.46% | 77.90% | 6th pctl | 504 / 535 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 4.01% | Beats 100% | 316 / 546 | n/a | |