First Resource Bank
Lino Lakes, MN · Cert 58039 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Ameri Financial Group Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$1.1BAssets
$789.7MLoans
$893.3MDeposits
$100.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 94% of banks $1B-$10B in assets operating regionally (rank 11 of 176).
- Widest gap: net charge-offs / loans trails 93% of banks $1B-$10B in assets operating regionally (rank 165 of 176).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.76%
Rank 150 of 176
Net Interest Margin
3.37%
Rank 117 of 176
Efficiency Ratio
64.47%
Rank 118 of 176
Equity / Assets
9.26%
Rank 128 of 176
Non-interest income vs. expense
Unfavorable gap of $21.3M · efficiency ratio beats 34% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.93% | 1.26% | 1.54% | Beats 15% | 150 / 176 | |
| Return on Equity | 8.26% | 9.26% | 11.89% | 14.46% | Beats 16% | 147 / 176 | |
| Net Interest Margin | 3.37% | 3.25% | 3.59% | 3.93% | Beats 34% | 117 / 176 | |
| Efficiency Ratio | 64.47% | 52.79% | 59.55% | 67.66% | Beats 34% | 118 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.30% | 0.64% | 1.32% | Beats 94% | 11 / 176 | |
| Net Charge-Offs / Loans | 0.30% | 0.01% | 0.04% | 0.10% | Beats 7% | 165 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 11.62% | 11.15% | 12.72% | 14.15% | Beats 33% | 118 / 176 | |
| Total Risk-Based Capital Ratio | 12.77% | 11.81% | 13.63% | 15.33% | Beats 35% | 114 / 176 | |
| Equity / Assets | 9.26% | 9.16% | 10.35% | 11.80% | Beats 27% | 128 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 88.40% | 80.94% | 89.73% | 97.21% | 45th pctl | 97 / 176 | |
| Loans / Assets | 72.81% | 69.25% | 75.12% | 80.82% | 38th pctl | 110 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |