PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Cokato, The

Cokato, MN · Cert 5115 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Knoff Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$138.2MAssets
$94.2MLoans
$128.1MDeposits
$9.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 89% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 6 of 53).
  • Widest gap: equity / assets trails 92% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 49 of 53).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.23%

Rank 17 of 53

Net Interest Margin

3.77%

Rank 27 of 53

Efficiency Ratio

55.70%

Rank 13 of 53

Equity / Assets

7.03%

Rank 49 of 53

Non-interest income vs. expense

$0.6M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 77% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 55.70%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.23%0.73%1.11%1.30%Beats 68%17 / 53
Return on Equity17.44%7.88%12.20%14.12%Beats 89%6 / 53
Net Interest Margin3.77%3.39%3.77%4.09%Beats 49%27 / 53
Efficiency Ratio55.70%56.05%65.05%71.57%Beats 77%13 / 53
Asset Quality
Nonperforming Loans / Loans0.25%0.14%0.52%1.20%Beats 62%21 / 53
Net Charge-Offs / Loans0.04%0.00%0.01%0.08%Beats 34%37 / 53
Capital
Tier 1 Capital Ratio13.34%10.73%12.98%15.08%Beats 55%24 / 53
Total Risk-Based Capital Ratio14.59%11.49%13.79%16.34%Beats 58%22 / 53
Equity / Assets7.03%8.08%9.25%10.72%Beats 8%49 / 53
Liquidity & Funding
Loans / Deposits73.57%72.13%82.29%93.80%30th pctl37 / 53
Loans / Assets68.20%63.64%71.80%79.37%36th pctl34 / 53
Brokered Deposits / Depositsn/aNot reported for this institution