Citizens Bank Minnesota
New Ulm, MN · Cert 8200 · Peer group: banks under $1B in assets in MN (n=111-113) · Citizens Bcorp of New Ulm Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$596.0MAssets
$404.5MLoans
$498.7MDeposits
$53.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 86% of banks under $1B in assets in MN (rank 16 of 111).
- Widest gap: net interest margin trails 88% of banks under $1B in assets in MN (rank 99 of 113).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.85%
Rank 88 of 113
Net Interest Margin
2.95%
Rank 99 of 113
Efficiency Ratio
67.97%
Rank 81 of 113
Equity / Assets
9.04%
Rank 80 of 113
Non-interest income vs. expense
Unfavorable gap of $11.1M · efficiency ratio beats 29% 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 | 0.85% | 0.87% | 1.20% | 1.41% | Beats 22% | 88 / 113 | | |
| Return on Equity | 9.37% | 8.92% | 11.27% | 13.99% | Beats 27% | 82 / 113 | | |
| Net Interest Margin | 2.95% | 3.42% | 3.88% | 4.31% | Beats 12% | 99 / 113 | | |
| Efficiency Ratio | 67.97% | 54.13% | 61.48% | 69.86% | Beats 29% | 81 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.58% | 1.82% | Beats 86% | 16 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 64% | 41 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 11.68% | 11.53% | 13.31% | 18.13% | Beats 27% | 82 / 113 | | |
| Total Risk-Based Capital Ratio | 12.33% | 12.12% | 14.43% | 19.39% | Beats 27% | 83 / 113 | | |
| Equity / Assets | 9.04% | 8.52% | 10.10% | 11.94% | Beats 29% | 80 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.11% | 62.08% | 77.32% | 88.06% | 58th pctl | 47 / 111 | | |
| Loans / Assets | 67.88% | 55.01% | 66.35% | 75.50% | 52nd pctl | 54 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |