First National Bank Minnesota
Saint Peter, MN · Cert 5247 · Peer group: banks under $1B in assets (n=581-629) · Bancommunity Service Corp.
National charter · OCC · 4 branches
Q2 2026
$437.8MAssets
$328.7MLoans
$373.1MDeposits
$43.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 69% of banks under $1B in assets (rank 195 of 629).
- Widest gap: net charge-offs / loans trails 81% of banks under $1B in assets (rank 471 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.20%
Rank 240 of 629
Net Interest Margin
3.90%
Rank 195 of 629
Efficiency Ratio
64.88%
Rank 261 of 629
Equity / Assets
9.89%
Rank 384 of 629
Non-interest income vs. expense
Unfavorable gap of $10.3M · efficiency ratio beats 59% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.60% | 1.01% | 1.45% | Beats 62% | 240 / 629 | | |
| Return on Equity | 12.12% | 5.38% | 9.30% | 13.28% | Beats 68% | 202 / 629 | | |
| Net Interest Margin | 3.90% | 3.03% | 3.54% | 4.05% | Beats 69% | 195 / 629 | | |
| Efficiency Ratio | 64.88% | 58.35% | 67.79% | 79.08% | Beats 59% | 261 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.12% | 0.09% | 0.46% | 1.20% | Beats 27% | 423 / 581 | | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 19% | 471 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.18% | 11.24% | 13.84% | 18.77% | Beats 45% | 344 / 629 | | |
| Total Risk-Based Capital Ratio | 14.43% | 11.58% | 14.43% | 19.66% | Beats 50% | 315 / 629 | | |
| Equity / Assets | 9.89% | 9.09% | 10.65% | 13.80% | Beats 39% | 384 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.09% | 67.24% | 80.90% | 93.48% | 65th pctl | 209 / 594 | | |
| Loans / Assets | 75.09% | 53.31% | 67.71% | 78.15% | 66th pctl | 212 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |