First National Bank of Proctor, The
Proctor, MN · Cert 5232 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
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 operating in a single state (rank 105 of 743).
- Widest gap: return on assets trails 83% of banks under $1B in assets operating in a single state (rank 617 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.58%
Rank 617 of 746
Net Interest Margin
3.40%
Rank 487 of 746
Efficiency Ratio
77.12%
Rank 580 of 746
Equity / Assets
8.41%
Rank 609 of 746
Non-interest income vs. expense
Unfavorable gap of $910K · efficiency ratio beats 22% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.72% | 1.06% | 1.45% | Beats 17% | 617 / 746 | |
| Return on Equity | 6.85% | 6.74% | 10.51% | 13.63% | Beats 26% | 550 / 746 | |
| Net Interest Margin | 3.40% | 3.17% | 3.68% | 4.16% | Beats 35% | 487 / 746 | |
| Efficiency Ratio | 77.12% | 55.74% | 64.58% | 75.47% | Beats 22% | 580 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 25.38% | 11.55% | 13.75% | 17.60% | Beats 92% | 62 / 746 | |
| Total Risk-Based Capital Ratio | 26.18% | 11.71% | 14.33% | 18.43% | Beats 92% | 63 / 746 | |
| Equity / Assets | 8.41% | 8.90% | 10.51% | 13.06% | Beats 18% | 609 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 44.73% | 61.31% | 78.27% | 90.78% | 8th pctl | 685 / 746 | |
| Loans / Assets | 40.91% | 53.60% | 66.97% | 76.08% | 11th pctl | 666 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |