Community Resource Bank
Northfield, MN · Cert 5219 · Peer group: banks under $1B in assets in MN (n=111-113) · Midcountry Acquisition Corp.
State charter, Fed member · FED · 3 affiliate banks · 4 branches (26 in holding)
Q2 2026
$556.4MAssets
$415.6MLoans
$471.8MDeposits
$63.7MEquity
Executive Summary
- Strongest standing: return on assets outperforms 73% of banks under $1B in assets in MN (rank 31 of 113).
- Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets in MN (rank 100 of 111).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.41%
Rank 31 of 113
Net Interest Margin
3.96%
Rank 50 of 113
Efficiency Ratio
54.37%
Rank 31 of 113
Equity / Assets
11.45%
Rank 36 of 113
Non-interest income vs. expense
Unfavorable gap of $10.7M · efficiency ratio beats 73% 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 | 1.41% | 0.87% | 1.20% | 1.41% | Beats 73% | 31 / 113 | | |
| Return on Equity | 12.28% | 8.92% | 11.27% | 13.99% | Beats 59% | 46 / 113 | | |
| Net Interest Margin | 3.96% | 3.42% | 3.88% | 4.31% | Beats 56% | 50 / 113 | | |
| Efficiency Ratio | 54.37% | 54.13% | 61.48% | 69.86% | Beats 73% | 31 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.09% | 0.09% | 0.58% | 1.82% | Beats 33% | 75 / 111 | | |
| Net Charge-Offs / Loans | 0.20% | n/a | 0.00% | 0.04% | Beats 11% | 100 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 13.97% | 11.53% | 13.31% | 18.13% | Beats 54% | 52 / 113 | | |
| Total Risk-Based Capital Ratio | 15.22% | 12.12% | 14.43% | 19.39% | Beats 55% | 51 / 113 | | |
| Equity / Assets | 11.45% | 8.52% | 10.10% | 11.94% | Beats 68% | 36 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.11% | 62.08% | 77.32% | 88.06% | 76th pctl | 27 / 111 | | |
| Loans / Assets | 74.70% | 55.01% | 66.35% | 75.50% | 71st pctl | 33 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |