First National Bank of Gilbert, The
Gilbert, MN · Cert 5150 · Peer group: banks under $1B in assets (n=581-629) · Broadway Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
$86.0MAssets
$70.0MLoans
$76.0MDeposits
$6.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: equity / assets trails 94% of banks under $1B in assets (rank 589 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.66%
Rank 454 of 629
Net Interest Margin
3.45%
Rank 342 of 629
Efficiency Ratio
74.08%
Rank 415 of 629
Equity / Assets
7.14%
Rank 589 of 629
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 34% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.60% | 1.01% | 1.45% | Beats 28% | 454 / 629 | |
| Return on Equity | 9.24% | 5.38% | 9.30% | 13.28% | Beats 49% | 320 / 629 | |
| Net Interest Margin | 3.45% | 3.03% | 3.54% | 4.05% | Beats 46% | 342 / 629 | |
| Efficiency Ratio | 74.08% | 58.35% | 67.79% | 79.08% | Beats 34% | 415 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.46% | 1.20% | Beats 68% | 185 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.62% | 11.24% | 13.84% | 18.77% | Beats 40% | 380 / 629 | |
| Total Risk-Based Capital Ratio | 13.88% | 11.58% | 14.43% | 19.66% | Beats 45% | 344 / 629 | |
| Equity / Assets | 7.14% | 9.09% | 10.65% | 13.80% | Beats 6% | 589 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 92.14% | 67.24% | 80.90% | 93.48% | 73rd pctl | 160 / 594 | |
| Loans / Assets | 81.42% | 53.31% | 67.71% | 78.15% | 85th pctl | 96 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |