Sentry Bank: how it compares with its peers
Against 85 MN banks with half to twice its assets, Sentry Bank's strongest measure in Q2 2026 is efficiency ratio (52.98% vs. a 61.83% peer median). Its weakest relative measure is return on assets (1.26% vs. 1.35%).
| Measure | Sentry Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 1.35% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.99% | 3.96% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.98% | 61.83% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.8M | $7.5M | Top third Ahead of 72% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.84% | 82.45% | Context |
What it means for lending operations
Its efficiency ratio of 52.98% is better than the 61.83% 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
- Village Bank Saint Francis, MN · $412M
- First State Bank Southwest Pipestone, MN · $410M
- My Kind of Bank, National Association Ottertail, MN · $423M
- Crown Bank Edina, MN · $402M
- BankCherokee Saint Paul, MN · $402M
- Peoples State Bank of Plainview Plainview, MN · $429M
Questions about Sentry Bank
How big is Sentry Bank?
Sentry Bank, established in 1904, is headquartered in Saint Joseph, MN. It reported $415M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Sentry Bank's return on assets?
1.26% annualized in Q2 2026, against a 1.35% median for 85 MN banks with half to twice its assets, ahead of 44% of them.
What is Sentry Bank's efficiency ratio?
52.98% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 61.83%, and lower is better.
Is Sentry Bank growing its loans?
Net loans grew 27.7% over the year to Q2 2026, while deposits grew 21.9%.
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.