Profinium, Inc.: how it compares with its peers
Against 76 MN banks with half to twice its assets, Profinium, Inc.'s strongest measure in Q2 2026 is assets per employee ($8.1M vs. a $7.7M peer median). Its weakest relative measure is return on assets (0.92% vs. 1.35%).
| Measure | Profinium, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.92% | 1.35% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.47% | 3.95% | Bottom third Ahead of 22% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.36% | 60.32% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $7.7M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.46% | 84.14% | Context |
What it means for lending operations
Its efficiency ratio of 66.36% is above the 60.32% 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
- Lake Elmo Bank Lake Elmo, MN · $530M
- Community Bank Mankato Vernon Center, MN · $538M
- EntreBank Bloomington, MN · $527M
- Glenwood State Bank (Incorporated) Glenwood, MN · $545M
- Northern State Bank of Thief River Falls Thief River Falls, MN · $550M
- Luminate Bank Minneapolis, MN · $555M
Questions about Profinium, Inc.
How big is Profinium, Inc.?
Profinium, Inc., established in 1916, is headquartered in Truman, MN. It reported $533M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Profinium, Inc.'s return on assets?
0.92% annualized in Q2 2026, against a 1.35% median for 76 MN banks with half to twice its assets, ahead of 21% of them.
What is Profinium, Inc.'s efficiency ratio?
66.36% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 60.32%, and lower is better.
Is Profinium, Inc. growing its loans?
Net loans shrank 3.7% over the year to Q2 2026, while deposits grew 3.0%.
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.