First National Bank of Proctor, The
Proctor, MN · Cert 5232 · Peer group: banks under $1B in assets (n=570-617)
National charter · OCC · 1 branch
Q2 2026
$34.0MAssets
$13.9MLoans
$31.1MDeposits
$2.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 78 of 570).
- Widest gap: equity / assets trails 84% of banks under $1B in assets (rank 517 of 617).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.58%
Rank 472 of 617
Net Interest Margin
3.40%
Rank 357 of 617
Efficiency Ratio
77.12%
Rank 438 of 617
Equity / Assets
8.41%
Rank 517 of 617
Non-interest income vs. expense
Unfavorable gap of $910K · efficiency ratio beats 29% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.60% | 1.01% | 1.45% | Beats 24% | 472 / 617 | |
| Return on Equity | 6.85% | 5.30% | 9.43% | 13.30% | Beats 32% | 419 / 617 | |
| Net Interest Margin | 3.40% | 3.04% | 3.54% | 4.05% | Beats 42% | 357 / 617 | |
| Efficiency Ratio | 77.12% | 58.03% | 67.76% | 79.08% | Beats 29% | 438 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 78 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 25.38% | 11.18% | 13.83% | 18.55% | Beats 84% | 100 / 617 | |
| Total Risk-Based Capital Ratio | 26.18% | 11.56% | 14.39% | 19.39% | Beats 84% | 99 / 617 | |
| Equity / Assets | 8.41% | 9.03% | 10.55% | 13.63% | Beats 16% | 517 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 44.73% | 64.77% | 79.70% | 93.06% | 9th pctl | 531 / 582 | |
| Loans / Assets | 40.91% | 51.70% | 67.18% | 77.51% | 16th pctl | 517 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |