Community Bank Mankato
Vernon Center, MN · Cert 9760 · Peer group: banks under $1B in assets (n=570-617) · Vernon Center Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$538.3MAssets
$475.6MLoans
$473.9MDeposits
$51.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 75% of banks under $1B in assets (rank 156 of 617).
- Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets (rank 504 of 570).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.01%
Rank 309 of 617
Net Interest Margin
3.40%
Rank 353 of 617
Efficiency Ratio
58.10%
Rank 156 of 617
Equity / Assets
9.49%
Rank 412 of 617
Non-interest income vs. expense
Unfavorable gap of $10.2M · efficiency ratio beats 75% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.60% | 1.01% | 1.45% | Beats 50% | 309 / 617 | |
| Return on Equity | 10.65% | 5.30% | 9.43% | 13.30% | Beats 58% | 261 / 617 | |
| Net Interest Margin | 3.40% | 3.04% | 3.54% | 4.05% | Beats 43% | 353 / 617 | |
| Efficiency Ratio | 58.10% | 58.03% | 67.76% | 79.08% | Beats 75% | 156 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.15% | 0.09% | 0.47% | 1.27% | Beats 13% | 498 / 570 | |
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.06% | Beats 12% | 504 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 12.10% | 11.18% | 13.83% | 18.55% | Beats 35% | 402 / 617 | |
| Total Risk-Based Capital Ratio | 13.23% | 11.56% | 14.39% | 19.39% | Beats 41% | 362 / 617 | |
| Equity / Assets | 9.49% | 9.03% | 10.55% | 13.63% | Beats 33% | 412 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 100.36% | 64.77% | 79.70% | 93.06% | 87th pctl | 74 / 582 | |
| Loans / Assets | 88.34% | 51.70% | 67.18% | 77.51% | 97th pctl | 17 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |