Miners National Bank of Eveleth, The
Eveleth, MN · Cert 5141 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
National charter · OCC · 1 branch
Q2 2026
$96.6MAssets
$65.2MLoans
$84.4MDeposits
$9.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: equity / assets trails 60% of banks under $1B in assets operating in a single state (rank 450 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.05%
Rank 383 of 746
Net Interest Margin
4.09%
Rank 212 of 746
Efficiency Ratio
65.58%
Rank 395 of 746
Equity / Assets
9.84%
Rank 450 of 746
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 47% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.72% | 1.06% | 1.45% | Beats 49% | 383 / 746 | | |
| Return on Equity | 10.65% | 6.74% | 10.51% | 13.63% | Beats 51% | 363 / 746 | | |
| Net Interest Margin | 4.09% | 3.17% | 3.68% | 4.16% | Beats 72% | 212 / 746 | | |
| Efficiency Ratio | 65.58% | 55.74% | 64.58% | 75.47% | Beats 47% | 395 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 20.90% | 11.55% | 13.75% | 17.60% | Beats 85% | 114 / 746 | | |
| Total Risk-Based Capital Ratio | 22.16% | 11.71% | 14.33% | 18.43% | Beats 85% | 109 / 746 | | |
| Equity / Assets | 9.84% | 8.90% | 10.51% | 13.06% | Beats 40% | 450 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.25% | 61.31% | 78.27% | 90.78% | 48th pctl | 386 / 746 | | |
| Loans / Assets | 67.46% | 53.60% | 66.97% | 76.08% | 51st pctl | 362 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |