Bankcherokee

Saint Paul, MN · Cert 8537 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Cherokee Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$401.9MAssets

$292.5MLoans

$333.5MDeposits

$42.8MEquity

Executive Summary

Strongest standing: tier 1 capital ratio outperforms 77% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 12 of 53).
Widest gap: return on equity trails 94% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 50 of 53).
Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.15%

Rank 50 of 53

Net Interest Margin

3.82%

Rank 25 of 53

Efficiency Ratio

73.86%

Rank 43 of 53

Equity / Assets

10.64%

Rank 15 of 53

Non-interest income vs. expense

Unfavorable gap of $11.2M · efficiency ratio beats 21% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.15%	0.73%	1.11%	1.30%	Beats 6%	50 / 53
Return on Equity	1.39%	7.88%	12.20%	14.12%	Beats 6%	50 / 53
Net Interest Margin	3.82%	3.39%	3.77%	4.09%	Beats 53%	25 / 53
Efficiency Ratio	73.86%	56.05%	65.05%	71.57%	Beats 21%	43 / 53
Asset Quality
Nonperforming Loans / Loans	0.17%	0.14%	0.52%	1.20%	Beats 72%	16 / 53
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.08%	Beats 62%	21 / 53
Capital
Tier 1 Capital Ratio	15.52%	10.73%	12.98%	15.08%	Beats 77%	12 / 53
Total Risk-Based Capital Ratio	16.77%	11.49%	13.79%	16.34%	Beats 77%	12 / 53
Equity / Assets	10.64%	8.08%	9.25%	10.72%	Beats 72%	15 / 53
Liquidity & Funding
Loans / Deposits	87.72%	72.13%	82.29%	93.80%	58th pctl	22 / 53
Loans / Assets	72.77%	63.64%	71.80%	79.37%	55th pctl	24 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution