Minster Bank
Minster, OH · Cert 763 · Peer group: banks under $1B in assets in OH (n=68-71) · Minster Financial Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
$811.6MAssets
$462.5MLoans
$719.4MDeposits
$72.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 90% of banks under $1B in assets in OH (rank 7 of 71).
- Widest gap: equity / assets trails 69% of banks under $1B in assets in OH (rank 49 of 71).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.62%
Rank 12 of 71
Net Interest Margin
3.56%
Rank 35 of 71
Efficiency Ratio
50.20%
Rank 8 of 71
Equity / Assets
8.89%
Rank 49 of 71
Non-interest income vs. expense
Unfavorable gap of $11.6M · efficiency ratio beats 90% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.62% | 0.62% | 1.02% | 1.39% | Beats 83% | 12 / 71 | |
| Return on Equity | 18.17% | 5.62% | 10.07% | 13.60% | Beats 90% | 7 / 71 | |
| Net Interest Margin | 3.56% | 2.93% | 3.56% | 4.07% | Beats 51% | 35 / 71 | |
| Efficiency Ratio | 50.20% | 55.94% | 70.77% | 78.80% | Beats 90% | 8 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.08% | 0.27% | 0.97% | Beats 68% | 23 / 68 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.05% | Beats 47% | 39 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 16.09% | 11.18% | 13.77% | 20.34% | Beats 63% | 26 / 71 | |
| Total Risk-Based Capital Ratio | 17.22% | 12.08% | 14.34% | 21.24% | Beats 68% | 23 / 71 | |
| Equity / Assets | 8.89% | 8.41% | 10.74% | 13.32% | Beats 31% | 49 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 64.30% | 64.48% | 76.81% | 87.49% | 24th pctl | 52 / 68 | |
| Loans / Assets | 56.99% | 55.33% | 65.58% | 72.51% | 28th pctl | 51 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |