Minnesota National Bank
Sauk Centre, MN · Cert 5249 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Sauk Ctr Finl Services Inc.
National charter · OCC · 3 branches
Q2 2026
$298.4MAssets
$240.8MLoans
$253.9MDeposits
$30.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 77% of banks under $1B in assets operating in a single state (rank 174 of 755).
- Widest gap: tier 1 capital ratio trails 75% of banks under $1B in assets operating in a single state (rank 568 of 755).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.40%
Rank 206 of 755
Net Interest Margin
4.22%
Rank 174 of 755
Efficiency Ratio
59.61%
Rank 273 of 755
Equity / Assets
10.15%
Rank 425 of 755
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 64% 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 | 1.40% | 0.72% | 1.06% | 1.45% | Beats 73% | 206 / 755 | |
| Return on Equity | 13.81% | 6.66% | 10.44% | 13.61% | Beats 76% | 179 / 755 | |
| Net Interest Margin | 4.22% | 3.15% | 3.68% | 4.17% | Beats 77% | 174 / 755 | |
| Efficiency Ratio | 59.61% | 55.75% | 64.78% | 75.61% | Beats 64% | 273 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.09% | 0.42% | 1.05% | Beats 46% | 407 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 72% | 219 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 11.55% | 11.56% | 13.81% | 17.74% | Beats 25% | 568 / 755 | |
| Total Risk-Based Capital Ratio | 12.61% | 11.72% | 14.46% | 18.53% | Beats 33% | 509 / 755 | |
| Equity / Assets | 10.15% | 8.93% | 10.56% | 13.13% | Beats 44% | 425 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 94.84% | 62.43% | 78.62% | 91.00% | 83rd pctl | 129 / 755 | |
| Loans / Assets | 80.69% | 54.70% | 67.27% | 76.55% | 86th pctl | 103 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |