Northview Bank: how it compares with its peers
Against 84 MN banks with half to twice its assets, Northview Bank's strongest measure in Q2 2026 is net interest margin (5.01% vs. a 3.97% peer median). Its weakest relative measure is assets per employee ($4.1M vs. $7.6M).
| Measure | Northview Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.57% | 1.35% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.01% | 3.97% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.01% | 61.03% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $7.6M | Bottom third Ahead of 4% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.03% | 83.58% | Context |
What it means for lending operations
Its efficiency ratio of 64.01% is above the 61.03% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- American National Bank of Minnesota Baxter, MN · $473M
- Sterling State Bank Austin, MN · $462M
- First Farmers & Merchants Bank Cannon Falls, MN · $486M
- Kensington Bank Kensington, MN · $447M
- Star Bank Maple Lake, MN · $446M
- First State Bank and Trust Bayport, MN · $499M
Questions about Northview Bank
How big is Northview Bank?
Northview Bank, established in 1908, is headquartered in Sandstone, MN. It reported $470M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Northview Bank's return on assets?
1.57% annualized in Q2 2026, against a 1.35% median for 84 MN banks with half to twice its assets, ahead of 71% of them.
What is Northview Bank's efficiency ratio?
64.01% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 61.03%, and lower is better.
Is Northview Bank growing its loans?
Net loans grew 10.5% over the year to Q2 2026, while deposits grew 1.9%.
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.