21st Century Bank
Loretto, MN · Cert 9751 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Crosstown Holding Co.
State charter, non-member · FDIC · 8 branches
Q2 2026
$894.8MAssets
$672.7MLoans
$658.8MDeposits
$82.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 89% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 7 of 53).
- Widest gap: net charge-offs / loans trails 70% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 38 of 53).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.30%
Rank 14 of 53
Net Interest Margin
3.50%
Rank 34 of 53
Efficiency Ratio
49.84%
Rank 7 of 53
Equity / Assets
9.24%
Rank 28 of 53
Non-interest income vs. expense
Unfavorable gap of $15.4M · efficiency ratio beats 89% 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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.30% | 0.73% | 1.11% | 1.30% | Beats 74% | 14 / 53 | | |
| Return on Equity | 14.07% | 7.88% | 12.20% | 14.12% | Beats 70% | 16 / 53 | | |
| Net Interest Margin | 3.50% | 3.39% | 3.77% | 4.09% | Beats 36% | 34 / 53 | | |
| Efficiency Ratio | 49.84% | 56.05% | 65.05% | 71.57% | Beats 89% | 7 / 53 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.14% | 0.52% | 1.20% | Beats 70% | 17 / 53 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.08% | Beats 30% | 38 / 53 | | |
| Capital |
| Tier 1 Capital Ratio | 14.71% | 10.73% | 12.98% | 15.08% | Beats 70% | 16 / 53 | | |
| Total Risk-Based Capital Ratio | 15.70% | 11.49% | 13.79% | 16.34% | Beats 68% | 17 / 53 | | |
| Equity / Assets | 9.24% | 8.08% | 9.25% | 10.72% | Beats 47% | 28 / 53 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.11% | 72.13% | 82.29% | 93.80% | 87th pctl | 7 / 53 | | |
| Loans / Assets | 75.18% | 63.64% | 71.80% | 79.37% | 64th pctl | 19 / 53 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |