Community Bank Owatonna: how it compares with its peers
Against 86 MN banks with half to twice its assets, Community Bank Owatonna's strongest measure in Q2 2026 is assets per employee ($7.9M vs. a $7.0M peer median). Its weakest relative measure is return on assets (0.81% vs. 1.21%).
| Measure | Community Bank Owatonna | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.81% | 1.21% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.67% | 4.12% | Bottom third Ahead of 22% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.21% | 61.66% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $7.0M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.56% | 79.86% | Context |
What it means for lending operations
Its efficiency ratio of 67.21% is above the 61.66% 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
- Northern State Bank of Virginia Virginia, MN · $102M
- Hometown Community Bank Cyrus, MN · $106M
- First State Bank Minnesota Le Roy, MN · $106M
- Currie State Bank Currie, MN · $100M
- Prairie Sun Bank Milan, MN · $107M
- Produce State Bank Hollandale, MN · $107M
Questions about Community Bank Owatonna
How big is Community Bank Owatonna?
Community Bank Owatonna, established in 2003, is headquartered in Owatonna, MN. It reported $103M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Community Bank Owatonna's return on assets?
0.81% annualized in Q2 2026, against a 1.21% median for 86 MN banks with half to twice its assets, ahead of 20% of them.
What is Community Bank Owatonna's efficiency ratio?
67.21% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 61.66%, and lower is better.
Is Community Bank Owatonna growing its loans?
Net loans grew 12.2% over the year to Q2 2026, while deposits grew 9.6%.
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.