First State Bank of Red Wing, The
Red Wing, MN · Cert 8191 · Peer group: banks under $1B in assets in MN (n=112-114) · Noble Bank Holding Co. Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$86.3MAssets
$34.5MLoans
$83.1MDeposits
$3.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 112).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in MN (rank 114 of 114).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
-0.02%
Rank 111 of 114
Net Interest Margin
2.39%
Rank 113 of 114
Efficiency Ratio
100.78%
Rank 113 of 114
Equity / Assets
3.58%
Rank 114 of 114
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 2% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.02% | 0.87% | 1.20% | 1.41% | Beats 3% | 111 / 114 | |
| Return on Equity | -0.65% | 8.92% | 11.27% | 13.99% | Beats 3% | 111 / 114 | |
| Net Interest Margin | 2.39% | 3.39% | 3.88% | 4.31% | Beats 1% | 113 / 114 | |
| Efficiency Ratio | 100.78% | 54.13% | 61.64% | 69.86% | Beats 2% | 113 / 114 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.09% | 0.58% | 1.82% | Beats 34% | 75 / 112 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 112 | |
| Capital |
| Tier 1 Capital Ratio | 21.81% | 11.46% | 13.31% | 18.13% | Beats 82% | 20 / 114 | |
| Total Risk-Based Capital Ratio | 22.60% | 12.01% | 14.43% | 19.39% | Beats 82% | 20 / 114 | |
| Equity / Assets | 3.58% | 8.52% | 10.22% | 11.94% | Beats 0% | 114 / 114 | |
| Liquidity & Funding |
| Loans / Deposits | 41.53% | 62.85% | 77.32% | 88.06% | 5th pctl | 106 / 112 | |
| Loans / Assets | 39.96% | 55.01% | 66.35% | 75.50% | 10th pctl | 103 / 114 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |