Currie State Bank: how it compares with its peers
Against 85 MN banks with half to twice its assets, Currie State Bank's strongest measure in Q2 2026 is net interest margin (4.61% vs. a 4.12% peer median). Its weakest relative measure is assets per employee ($5.9M vs. $7.1M).
| Measure | Currie State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.20% | Middle third Ahead of 52% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.61% | 4.12% | Top third Ahead of 78% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.48% | 61.67% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $7.1M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.62% | 78.80% | Context |
What it means for lending operations
Its efficiency ratio of 61.48% is better than the 61.67% 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
- Janesville State Bank Janesville, MN · $99M
- Northern State Bank of Virginia Virginia, MN · $102M
- The First National Bank of Osakis Osakis, MN · $98M
- Community Bank Owatonna Owatonna, MN · $103M
- The Miners National Bank of Eveleth Eveleth, MN · $97M
- First Farmers & Merchants State Bank Brownsdale, MN · $96M
Questions about Currie State Bank
How big is Currie State Bank?
Currie State Bank, established in 1931, is headquartered in Currie, MN. It reported $100M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Currie State Bank's return on assets?
1.24% annualized in Q2 2026, against a 1.20% median for 85 MN banks with half to twice its assets, ahead of 52% of them.
What is Currie State Bank's efficiency ratio?
61.48% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 61.67%, and lower is better.
Is Currie State Bank growing its loans?
Net loans shrank 7.5% over the year to Q2 2026, while deposits shrank 2.4%.
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.