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First National Bank of Le Center, The

Lonsdale, MN · Cert 5180 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Traxshares Inc.

National charter · OCC · 2 branches

Q2 2026

$178.2MAssets
$130.9MLoans
$139.6MDeposits
$16.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 13 of 53).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 53 of 53).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.29%

Rank 15 of 53

Net Interest Margin

3.44%

Rank 36 of 53

Efficiency Ratio

50.98%

Rank 9 of 53

Equity / Assets

9.14%

Rank 29 of 53

Non-interest income vs. expense

$0.6M$3.4MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 85% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 50.98%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.73%1.11%1.30%Beats 72%15 / 53
Return on Equity14.16%7.88%12.20%14.12%Beats 75%13 / 53
Net Interest Margin3.44%3.39%3.77%4.09%Beats 32%36 / 53
Efficiency Ratio50.98%56.05%65.05%71.57%Beats 85%9 / 53
Asset Quality
Nonperforming Loans / Loans1.72%0.14%0.52%1.20%Beats 23%42 / 53
Net Charge-Offs / Loans0.00%0.00%0.01%0.08%Beats 100%13 / 53
Capital
Tier 1 Capital Ratio9.50%10.73%12.98%15.08%Beats 0%53 / 53
Total Risk-Based Capital Ratio9.50%11.49%13.79%16.34%Beats 0%53 / 53
Equity / Assets9.14%8.08%9.25%10.72%Beats 45%29 / 53
Liquidity & Funding
Loans / Deposits93.80%72.13%82.29%93.80%74th pctl14 / 53
Loans / Assets73.48%63.64%71.80%79.37%58th pctl22 / 53
Brokered Deposits / Depositsn/aNot reported for this institution