State Bank of New Richland
New Richland, MN · Cert 9735 · Peer group: banks under $1B in assets in MN (n=111-113) · New Richland Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$124.2MAssets
$110.2MLoans
$81.0MDeposits
$12.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets in MN (rank 4 of 113).
- Widest gap: net interest margin trails 75% of banks under $1B in assets in MN (rank 85 of 113).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.67%
Rank 16 of 113
Net Interest Margin
3.42%
Rank 85 of 113
Efficiency Ratio
40.28%
Rank 4 of 113
Equity / Assets
9.84%
Rank 63 of 113
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 97% 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 | 1.67% | 0.87% | 1.20% | 1.41% | Beats 86% | 16 / 113 | |
| Return on Equity | 16.99% | 8.92% | 11.27% | 13.99% | Beats 87% | 15 / 113 | |
| Net Interest Margin | 3.42% | 3.42% | 3.88% | 4.31% | Beats 25% | 85 / 113 | |
| Efficiency Ratio | 40.28% | 54.13% | 61.48% | 69.86% | Beats 97% | 4 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.09% | 0.58% | 1.82% | Beats 61% | 44 / 111 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 62% | 43 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 11.97% | 11.53% | 13.31% | 18.13% | Beats 34% | 75 / 113 | |
| Total Risk-Based Capital Ratio | 12.91% | 12.12% | 14.43% | 19.39% | Beats 35% | 74 / 113 | |
| Equity / Assets | 9.84% | 8.52% | 10.10% | 11.94% | Beats 44% | 63 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 136.06% | 62.08% | 77.32% | 88.06% | 99th pctl | 1 / 111 | |
| Loans / Assets | 88.68% | 55.01% | 66.35% | 75.50% | 95th pctl | 6 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |