My Kind of Bank, National Association
Ottertail, MN · Cert 5162 · Peer group: banks under $1B in assets in MN (n=111-113) · Henning Bancshares Inc.
National charter · OCC · 5 branches
Q2 2026
$422.6MAssets
$314.6MLoans
$385.6MDeposits
$34.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 79% of banks under $1B in assets in MN (rank 24 of 113).
- Widest gap: equity / assets trails 85% of banks under $1B in assets in MN (rank 96 of 113).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.17%
Rank 58 of 113
Net Interest Margin
3.76%
Rank 66 of 113
Efficiency Ratio
61.83%
Rank 60 of 113
Equity / Assets
8.05%
Rank 96 of 113
Non-interest income vs. expense
Unfavorable gap of $8.6M · efficiency ratio beats 48% 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 | 1.17% | 0.87% | 1.20% | 1.41% | Beats 49% | 58 / 113 | | |
| Return on Equity | 14.60% | 8.92% | 11.27% | 13.99% | Beats 79% | 24 / 113 | | |
| Net Interest Margin | 3.76% | 3.42% | 3.88% | 4.31% | Beats 42% | 66 / 113 | | |
| Efficiency Ratio | 61.83% | 54.13% | 61.48% | 69.86% | Beats 48% | 60 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.96% | 0.09% | 0.58% | 1.82% | Beats 41% | 68 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 61% | 44 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 11.89% | 11.53% | 13.31% | 18.13% | Beats 31% | 78 / 113 | | |
| Total Risk-Based Capital Ratio | 13.04% | 12.12% | 14.43% | 19.39% | Beats 39% | 69 / 113 | | |
| Equity / Assets | 8.05% | 8.52% | 10.10% | 11.94% | Beats 15% | 96 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.58% | 62.08% | 77.32% | 88.06% | 59th pctl | 45 / 111 | | |
| Loans / Assets | 74.46% | 55.01% | 66.35% | 75.50% | 68th pctl | 36 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |