Community Resource Bank: how it compares with its peers
Against 79 MN banks with half to twice its assets, Community Resource Bank's strongest measure in Q2 2026 is net interest margin (4.28% vs. a 3.92% peer median). Its weakest relative measure is assets per employee ($8.1M vs. $7.7M).
| Measure | Community Resource Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.40% | 1.35% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.28% | 3.92% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.37% | 61.72% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $7.7M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.95% | 84.21% | Context |
What it means for lending operations
Its efficiency ratio of 54.37% is better than the 61.72% 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
- Luminate Bank Minneapolis, MN · $555M
- Northern State Bank of Thief River Falls Thief River Falls, MN · $550M
- Glenwood State Bank (Incorporated) Glenwood, MN · $545M
- Community Bank Mankato Vernon Center, MN · $538M
- Profinium, Inc. Truman, MN · $533M
- Lake Elmo Bank Lake Elmo, MN · $530M
Questions about Community Resource Bank
How big is Community Resource Bank?
Community Resource Bank, established in 1878, is headquartered in Northfield, MN. It reported $556M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Community Resource Bank's return on assets?
1.40% annualized in Q2 2026, against a 1.35% median for 79 MN banks with half to twice its assets, ahead of 59% of them.
What is Community Resource Bank's efficiency ratio?
54.37% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 61.72%, and lower is better.
Is Community Resource Bank growing its loans?
Net loans grew 4.4% over the year to Q2 2026, while deposits grew 4.4%.
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.