Keen Bank, National Association
Waseca, MN · Cert 5270 · Peer group: banks under $1B in assets in MN (n=111-113) · Frankson Investment Corp.
National charter · OCC · 3 branches
Q2 2026
$201.1MAssets
$148.7MLoans
$181.5MDeposits
$16.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 99% of banks under $1B in assets in MN (rank 1 of 113).
- Widest gap: equity / assets trails 78% of banks under $1B in assets in MN (rank 88 of 113).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.75%
Rank 13 of 113
Net Interest Margin
4.88%
Rank 7 of 113
Efficiency Ratio
56.49%
Rank 39 of 113
Equity / Assets
8.26%
Rank 88 of 113
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 66% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.75% | 0.87% | 1.20% | 1.41% | Beats 88% | 13 / 113 | | |
| Return on Equity | 21.18% | 8.92% | 11.27% | 13.99% | Beats 99% | 1 / 113 | | |
| Net Interest Margin | 4.88% | 3.42% | 3.88% | 4.31% | Beats 94% | 7 / 113 | | |
| Efficiency Ratio | 56.49% | 54.13% | 61.48% | 69.86% | Beats 66% | 39 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.09% | 0.58% | 1.82% | Beats 80% | 23 / 111 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.04% | Beats 46% | 62 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 12.21% | 11.53% | 13.31% | 18.13% | Beats 39% | 69 / 113 | | |
| Total Risk-Based Capital Ratio | 13.46% | 12.12% | 14.43% | 19.39% | Beats 44% | 63 / 113 | | |
| Equity / Assets | 8.26% | 8.52% | 10.10% | 11.94% | Beats 22% | 88 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.93% | 62.08% | 77.32% | 88.06% | 61st pctl | 43 / 111 | | |
| Loans / Assets | 73.97% | 55.01% | 66.35% | 75.50% | 67th pctl | 37 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |