Community First Bank
Menahga, MN · Cert 5197 · Peer group: banks under $1B in assets in MN (n=111-113) · Menahga Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$126.5MAssets
$66.5MLoans
$108.4MDeposits
$16.0MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 79% of banks under $1B in assets in MN (rank 24 of 113).
- Widest gap: net charge-offs / loans trails 72% of banks under $1B in assets in MN (rank 81 of 111).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.53%
Rank 25 of 113
Net Interest Margin
3.83%
Rank 61 of 113
Efficiency Ratio
56.04%
Rank 36 of 113
Equity / Assets
12.64%
Rank 24 of 113
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 69% 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 | 1.53% | 0.87% | 1.20% | 1.41% | Beats 78% | 25 / 113 | | |
| Return on Equity | 12.09% | 8.92% | 11.27% | 13.99% | Beats 58% | 48 / 113 | | |
| Net Interest Margin | 3.83% | 3.42% | 3.88% | 4.31% | Beats 46% | 61 / 113 | | |
| Efficiency Ratio | 56.04% | 54.13% | 61.48% | 69.86% | Beats 69% | 36 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.09% | 0.58% | 1.82% | Beats 63% | 42 / 111 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.04% | Beats 28% | 81 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 12.84% | 11.53% | 13.31% | 18.13% | Beats 44% | 63 / 113 | | |
| Total Risk-Based Capital Ratio | 12.84% | 12.12% | 14.43% | 19.39% | Beats 33% | 76 / 113 | | |
| Equity / Assets | 12.64% | 8.52% | 10.10% | 11.94% | Beats 79% | 24 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.31% | 62.08% | 77.32% | 88.06% | 22nd pctl | 87 / 111 | | |
| Loans / Assets | 52.55% | 55.01% | 66.35% | 75.50% | 21st pctl | 89 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |