Minnesota National Bank
Sauk Centre, MN · Cert 5249 · Peer group: banks under $1B in assets (n=581-629) · 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 82% of banks under $1B in assets (rank 115 of 629).
- Widest gap: tier 1 capital ratio trails 71% of banks under $1B in assets (rank 448 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.40%
Rank 169 of 629
Net Interest Margin
4.22%
Rank 115 of 629
Efficiency Ratio
59.61%
Rank 173 of 629
Equity / Assets
10.15%
Rank 368 of 629
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 73% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.60% | 1.01% | 1.45% | Beats 73% | 169 / 629 | |
| Return on Equity | 13.81% | 5.38% | 9.30% | 13.28% | Beats 78% | 138 / 629 | |
| Net Interest Margin | 4.22% | 3.03% | 3.54% | 4.05% | Beats 82% | 115 / 629 | |
| Efficiency Ratio | 59.61% | 58.35% | 67.79% | 79.08% | Beats 73% | 173 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.09% | 0.46% | 1.20% | Beats 48% | 302 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 69% | 184 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 11.55% | 11.24% | 13.84% | 18.77% | Beats 29% | 448 / 629 | |
| Total Risk-Based Capital Ratio | 12.61% | 11.58% | 14.43% | 19.66% | Beats 34% | 412 / 629 | |
| Equity / Assets | 10.15% | 9.09% | 10.65% | 13.80% | Beats 41% | 368 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 94.84% | 67.24% | 80.90% | 93.48% | 78th pctl | 131 / 594 | |
| Loans / Assets | 80.69% | 53.31% | 67.71% | 78.15% | 82nd pctl | 111 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |