Global Innovations Bank
Kiester, MN · Cert 5175 · Peer group: banks under $1B in assets in MN (n=111-113) · Global Innovations Holdings
State charter, non-member · FDIC · 1 branch
Q2 2026
$120.1MAssets
$79.7MLoans
$109.4MDeposits
$9.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
- Widest gap: net interest margin trails 91% of banks under $1B in assets in MN (rank 103 of 113).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.33%
Rank 42 of 113
Net Interest Margin
2.82%
Rank 103 of 113
Efficiency Ratio
71.29%
Rank 91 of 113
Equity / Assets
8.09%
Rank 94 of 113
Non-interest income vs. expense
Unfavorable gap of $0.7M · efficiency ratio beats 20% 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 | 1.33% | 0.87% | 1.20% | 1.41% | Beats 63% | 42 / 113 | | |
| Return on Equity | 16.50% | 8.92% | 11.27% | 13.99% | Beats 85% | 17 / 113 | | |
| Net Interest Margin | 2.82% | 3.42% | 3.88% | 4.31% | Beats 9% | 103 / 113 | | |
| Efficiency Ratio | 71.29% | 54.13% | 61.48% | 69.86% | Beats 20% | 91 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.58% | 1.82% | Beats 85% | 18 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 11.57% | 11.53% | 13.31% | 18.13% | Beats 26% | 84 / 113 | | |
| Total Risk-Based Capital Ratio | 12.48% | 12.12% | 14.43% | 19.39% | Beats 28% | 81 / 113 | | |
| Equity / Assets | 8.09% | 8.52% | 10.10% | 11.94% | Beats 17% | 94 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.82% | 62.08% | 77.32% | 88.06% | 41st pctl | 65 / 111 | | |
| Loans / Assets | 66.35% | 55.01% | 66.35% | 75.50% | 50th pctl | 57 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |