Falcon National Bank
Foley, MN · Cert 57603 · Peer group: banks under $1B in assets (n=581-629) · Centra Ventures Inc.
National charter · OCC · 6 branches
Q2 2026
$872.3MAssets
$745.5MLoans
$768.7MDeposits
$92.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks under $1B in assets (rank 66 of 629).
- Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets (rank 553 of 581).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.22%
Rank 222 of 629
Net Interest Margin
4.50%
Rank 66 of 629
Efficiency Ratio
61.57%
Rank 202 of 629
Equity / Assets
10.61%
Rank 320 of 629
Non-interest income vs. expense
Unfavorable gap of $23.0M · efficiency ratio beats 68% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.60% | 1.01% | 1.45% | Beats 65% | 222 / 629 | |
| Return on Equity | 11.54% | 5.38% | 9.30% | 13.28% | Beats 64% | 228 / 629 | |
| Net Interest Margin | 4.50% | 3.03% | 3.54% | 4.05% | Beats 90% | 66 / 629 | |
| Efficiency Ratio | 61.57% | 58.35% | 67.79% | 79.08% | Beats 68% | 202 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.04% | 0.09% | 0.46% | 1.20% | Beats 29% | 414 / 581 | |
| Net Charge-Offs / Loans | 0.32% | n/a | 0.01% | 0.06% | Beats 5% | 553 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.24% | 11.24% | 13.84% | 18.77% | Beats 14% | 543 / 629 | |
| Total Risk-Based Capital Ratio | 10.24% | 11.58% | 14.43% | 19.66% | Beats 12% | 551 / 629 | |
| Equity / Assets | 10.61% | 9.09% | 10.65% | 13.80% | Beats 49% | 320 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 96.98% | 67.24% | 80.90% | 93.48% | 81st pctl | 113 / 594 | |
| Loans / Assets | 85.46% | 53.31% | 67.71% | 78.15% | 93rd pctl | 45 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |