PrinsBank: how it compares with its peers
Against 94 MN banks with half to twice its assets, PrinsBank's strongest measure in Q2 2026 is return on assets (2.99% vs. a 1.31% peer median). Its weakest relative measure is efficiency ratio (56.23% vs. 61.79%).
| Measure | PrinsBank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.99% | 1.31% | Top third Ahead of 99% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.42% | 3.96% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.23% | 61.79% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.6M | $7.5M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.02% | 80.80% | Context |
What it means for lending operations
Its efficiency ratio of 56.23% is better than the 61.79% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Neighborhood National Bank Mora, MN · $312M
- Citizens Independent Bank Saint Louis Park, MN · $314M
- Minnesota National Bank Sauk Centre, MN · $298M
- Gateway Bank Mendota Heights, MN · $320M
- First Bank Blue Earth Blue Earth, MN · $323M
- Castle Rock Bank Castle Rock, MN · $294M
Questions about PrinsBank
How big is PrinsBank?
PrinsBank, established in 1916, is headquartered in Prinsburg, MN. It reported $308M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is PrinsBank's return on assets?
2.99% annualized in Q2 2026, against a 1.31% median for 94 MN banks with half to twice its assets, ahead of 99% of them.
What is PrinsBank's efficiency ratio?
56.23% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 61.79%, and lower is better.
Is PrinsBank growing its loans?
Net loans grew 50.2% over the year to Q2 2026, while deposits grew 43.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.