Prairie Sun Bank: how it compares with its peers
Against 90 MN banks with half to twice its assets, Prairie Sun Bank's strongest measure in Q2 2026 is return on assets (1.36% vs. a 1.21% peer median). Its weakest relative measure is assets per employee ($6.3M vs. $7.1M).
| Measure | Prairie Sun Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.36% | 1.21% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.19% | 4.12% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.62% | 61.66% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $7.1M | Middle third Ahead of 37% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.16% | 79.48% | Context |
What it means for lending operations
Its efficiency ratio of 60.62% is better than the 61.66% 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
- Produce State Bank Hollandale, MN · $107M
- First State Bank Minnesota Le Roy, MN · $106M
- Hometown Community Bank Cyrus, MN · $106M
- Red River State Bank Halstad, MN · $110M
- First State Bank of Le Center Le Center, MN · $110M
- Community Bank Owatonna Owatonna, MN · $103M
Questions about Prairie Sun Bank
How big is Prairie Sun Bank?
Prairie Sun Bank, established in 1915, is headquartered in Milan, MN. It reported $107M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Prairie Sun Bank's return on assets?
1.36% annualized in Q2 2026, against a 1.21% median for 90 MN banks with half to twice its assets, ahead of 58% of them.
What is Prairie Sun Bank's efficiency ratio?
60.62% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 61.66%, and lower is better.
Is Prairie Sun Bank growing its loans?
Net loans grew 0.9% over the year to Q2 2026, while deposits grew 0.9%.
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.