First National Bank of Chisholm, The
Chisholm, MN · Cert 5113 · Peer group: banks under $1B in assets (n=535-585)
FDIC · 3 branches
Q3 2025
$79.0MAssets
$30.7MLoans
$71.8MDeposits
$7.0MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 316 of 546).
- Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets (rank 526 of 535).
- Overall: at or above the peer median on 2 of 10 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 29% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 | |