First National Bank of Coleraine, The
Coleraine, MN · Cert 5117 · Peer group: banks under $1B in assets in MN (n=111-113) · Jan-Mar Corp.
National charter · OCC · 2 branches
Q2 2026
$112.0MAssets
$41.9MLoans
$105.1MDeposits
$6.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 12 of 111).
- Widest gap: equity / assets trails 97% of banks under $1B in assets in MN (rank 110 of 113).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.65%
Rank 98 of 113
Net Interest Margin
2.61%
Rank 107 of 113
Efficiency Ratio
70.17%
Rank 86 of 113
Equity / Assets
5.90%
Rank 110 of 113
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 25% 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 | 0.65% | 0.87% | 1.20% | 1.41% | Beats 13% | 98 / 113 | | |
| Return on Equity | 11.00% | 8.92% | 11.27% | 13.99% | Beats 45% | 62 / 113 | | |
| Net Interest Margin | 2.61% | 3.42% | 3.88% | 4.31% | Beats 5% | 107 / 113 | | |
| Efficiency Ratio | 70.17% | 54.13% | 61.48% | 69.86% | Beats 25% | 86 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.58% | 1.82% | Beats 100% | 12 / 111 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.04% | Beats 35% | 73 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 18.70% | 11.53% | 13.31% | 18.13% | Beats 75% | 28 / 113 | | |
| Total Risk-Based Capital Ratio | 19.61% | 12.12% | 14.43% | 19.39% | Beats 75% | 28 / 113 | | |
| Equity / Assets | 5.90% | 8.52% | 10.10% | 11.94% | Beats 3% | 110 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 39.81% | 62.08% | 77.32% | 88.06% | 5th pctl | 106 / 111 | | |
| Loans / Assets | 37.39% | 55.01% | 66.35% | 75.50% | 7th pctl | 105 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |