Prairie Sun Bank
Milan, MN · Cert 8207 · Peer group: banks under $1B in assets in MN (n=111-113) · Dakota Financial Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$107.0MAssets
$81.3MLoans
$92.5MDeposits
$10.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 53% of banks under $1B in assets in MN (rank 54 of 111).
- Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in MN (rank 107 of 113).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.08%
Rank 65 of 113
Net Interest Margin
3.89%
Rank 56 of 113
Efficiency Ratio
61.89%
Rank 61 of 113
Equity / Assets
9.94%
Rank 60 of 113
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 47% 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 | 1.08% | 0.87% | 1.20% | 1.41% | Beats 42% | 65 / 113 | | |
| Return on Equity | 10.91% | 8.92% | 11.27% | 13.99% | Beats 43% | 64 / 113 | | |
| Net Interest Margin | 3.89% | 3.42% | 3.88% | 4.31% | Beats 50% | 56 / 113 | | |
| Efficiency Ratio | 61.89% | 54.13% | 61.48% | 69.86% | Beats 47% | 61 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.82% | 0.09% | 0.58% | 1.82% | Beats 25% | 84 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 53% | 54 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 9.85% | 11.53% | 13.31% | 18.13% | Beats 5% | 107 / 113 | | |
| Total Risk-Based Capital Ratio | 9.85% | 12.12% | 14.43% | 19.39% | Beats 5% | 107 / 113 | | |
| Equity / Assets | 9.94% | 8.52% | 10.10% | 11.94% | Beats 47% | 60 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.84% | 62.08% | 77.32% | 88.06% | 74th pctl | 29 / 111 | | |
| Loans / Assets | 75.96% | 55.01% | 66.35% | 75.50% | 75th pctl | 28 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |