Community Bank Owatonna
Owatonna, MN · Cert 57468 · Peer group: banks under $1B in assets in MN (n=111-113) · Community Financial Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
$103.3MAssets
$73.2MLoans
$94.7MDeposits
$7.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
- Widest gap: equity / assets trails 93% of banks under $1B in assets in MN (rank 105 of 113).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.79%
Rank 90 of 113
Net Interest Margin
3.31%
Rank 88 of 113
Efficiency Ratio
67.21%
Rank 80 of 113
Equity / Assets
7.02%
Rank 105 of 113
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 30% 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 | 0.79% | 0.87% | 1.20% | 1.41% | Beats 20% | 90 / 113 | | |
| Return on Equity | 11.20% | 8.92% | 11.27% | 13.99% | Beats 49% | 58 / 113 | | |
| Net Interest Margin | 3.31% | 3.42% | 3.88% | 4.31% | Beats 22% | 88 / 113 | | |
| Efficiency Ratio | 67.21% | 54.13% | 61.48% | 69.86% | Beats 30% | 80 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.09% | 0.58% | 1.82% | Beats 57% | 49 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 11.20% | 11.53% | 13.31% | 18.13% | Beats 19% | 91 / 113 | | |
| Total Risk-Based Capital Ratio | 12.18% | 12.12% | 14.43% | 19.39% | Beats 26% | 84 / 113 | | |
| Equity / Assets | 7.02% | 8.52% | 10.10% | 11.94% | Beats 7% | 105 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.32% | 62.08% | 77.32% | 88.06% | 50th pctl | 56 / 111 | | |
| Loans / Assets | 70.88% | 55.01% | 66.35% | 75.50% | 59th pctl | 46 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |