Sentry Bank
Saint Joseph, MN · Cert 8546 · Peer group: banks under $1B in assets (n=581-629) · Saint Joseph Bancshares Acquisitions
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (8 in holding)
Q2 2026
$415.5MAssets
$309.8MLoans
$365.0MDeposits
$37.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: equity / assets trails 78% of banks under $1B in assets (rank 492 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.18%
Rank 247 of 629
Net Interest Margin
3.78%
Rank 238 of 629
Efficiency Ratio
52.98%
Rank 95 of 629
Equity / Assets
8.89%
Rank 492 of 629
Non-interest income vs. expense
Unfavorable gap of $7.4M · efficiency ratio beats 85% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.60% | 1.01% | 1.45% | Beats 61% | 247 / 629 | | |
| Return on Equity | 13.32% | 5.38% | 9.30% | 13.28% | Beats 75% | 156 / 629 | | |
| Net Interest Margin | 3.78% | 3.03% | 3.54% | 4.05% | Beats 62% | 238 / 629 | | |
| Efficiency Ratio | 52.98% | 58.35% | 67.79% | 79.08% | Beats 85% | 95 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 68% | 190 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.00% | 11.24% | 13.84% | 18.77% | Beats 23% | 486 / 629 | | |
| Total Risk-Based Capital Ratio | 12.25% | 11.58% | 14.43% | 19.66% | Beats 31% | 436 / 629 | | |
| Equity / Assets | 8.89% | 9.09% | 10.65% | 13.80% | Beats 22% | 492 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.87% | 67.24% | 80.90% | 93.48% | 57th pctl | 255 / 594 | | |
| Loans / Assets | 74.57% | 53.31% | 67.71% | 78.15% | 65th pctl | 223 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |