Global Innovations Bank: how it compares with its peers
Against 94 MN banks with half to twice its assets, Global Innovations Bank's strongest measure in Q2 2026 is return on assets (1.37% vs. a 1.23% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $7.3M).
| Measure | Global Innovations Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.23% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.16% | 4.12% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.29% | 61.04% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $7.3M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.13% | 79.48% | Context |
What it means for lending operations
Its efficiency ratio of 71.29% is above the 61.04% 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
- Heritage Bank Minnesota West Concord, MN · $121M
- Key Community Bank Inver Grove Heights, MN · $121M
- First State Bank of Bigfork Bigfork, MN · $117M
- Mid-Central National Bank Wadena, MN · $117M
- State Bank of New Richland New Richland, MN · $124M
- Rushford State Bank (Incorporated) Rushford, MN · $115M
Questions about Global Innovations Bank
How big is Global Innovations Bank?
Global Innovations Bank, established in 1889, is headquartered in Kiester, MN. It reported $120M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Global Innovations Bank's return on assets?
1.37% annualized in Q2 2026, against a 1.23% median for 94 MN banks with half to twice its assets, ahead of 59% of them.
What is Global Innovations Bank's efficiency ratio?
71.29% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 61.04%, and lower is better.
Is Global Innovations Bank growing its loans?
Net loans grew 58.6% over the year to Q2 2026, while deposits grew 21.5%.
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.