State Bank of Chandler: how it compares with its peers
Against 73 MN banks with half to twice its assets, State Bank of Chandler's strongest measure in Q2 2026 is efficiency ratio (51.43% vs. a 61.67% peer median). Its weakest relative measure is net interest margin (4.07% vs. 4.06%).
| Measure | State Bank of Chandler | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.49% | 1.26% | Middle third Ahead of 66% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.07% | 4.06% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.43% | 61.67% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $6.9M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.70% | 78.76% | Context |
What it means for lending operations
Its efficiency ratio of 51.43% 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
- Security State Bank of Kenyon Kenyon, MN · $72M
- Grand Timber Bank Mcgregor, MN · $65M
- Farmers State Bank of Trimont Trimont, MN · $73M
- Bonanza Valley State Bank Brooten, MN · $75M
- Farmers and Merchants State Bank of Appleton Appleton, MN · $62M
- Elysian Bank Elysian, MN · $76M
Questions about State Bank of Chandler
How big is State Bank of Chandler?
State Bank of Chandler, established in 1902, is headquartered in Chandler, MN. It reported $69M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is State Bank of Chandler's return on assets?
1.49% annualized in Q2 2026, against a 1.26% median for 73 MN banks with half to twice its assets, ahead of 66% of them.
What is State Bank of Chandler's efficiency ratio?
51.43% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 61.67%, and lower is better.
Is State Bank of Chandler growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits grew 2.8%.
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.