Community Bank Mankato
Vernon Center, MN · Cert 9760 · Peer group: banks under $1B in assets (n=581-629) · 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 76% of banks under $1B in assets (rank 152 of 629).
- Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets (rank 511 of 581).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.01%
Rank 315 of 629
Net Interest Margin
3.40%
Rank 360 of 629
Efficiency Ratio
58.10%
Rank 152 of 629
Equity / Assets
9.49%
Rank 429 of 629
Non-interest income vs. expense
Unfavorable gap of $10.2M · efficiency ratio beats 76% 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 | 1.01% | 0.60% | 1.01% | 1.45% | Beats 50% | 315 / 629 | | |
| Return on Equity | 10.65% | 5.38% | 9.30% | 13.28% | Beats 58% | 265 / 629 | | |
| Net Interest Margin | 3.40% | 3.03% | 3.54% | 4.05% | Beats 43% | 360 / 629 | | |
| Efficiency Ratio | 58.10% | 58.35% | 67.79% | 79.08% | Beats 76% | 152 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.15% | 0.09% | 0.46% | 1.20% | Beats 12% | 511 / 581 | | |
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.06% | Beats 12% | 511 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.10% | 11.24% | 13.84% | 18.77% | Beats 34% | 412 / 629 | | |
| Total Risk-Based Capital Ratio | 13.23% | 11.58% | 14.43% | 19.66% | Beats 41% | 373 / 629 | | |
| Equity / Assets | 9.49% | 9.09% | 10.65% | 13.80% | Beats 32% | 429 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.36% | 67.24% | 80.90% | 93.48% | 87th pctl | 78 / 594 | | |
| Loans / Assets | 88.34% | 53.31% | 67.71% | 78.15% | 97th pctl | 17 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |