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Minnwest Bank

$1B-$10B Specialty: Agricultural MN FDIC cert 16958

Designations: ✓ Community bank

Redwood Falls, MN

36 branches across MN · SD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
  • Deposits -0.4% year over year ($2.6B on the books).
  • Delinquency rate 0.57%.
  • Return on assets 1.14%.
  • Efficiency ratio 59.02% vs a 59.73% peer average.
  • Loan-to-deposit ratio 90.29% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 17 in MN
View $1B-$10B leaderboard (MN) →

Minnwest Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.36% above tier average
  • + Efficiency Ratio 0.70% below tier average
  • + Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 21.9% in tier
  • - Flatlined Growth: Bottom 46.9% in tier
  • - ROA 0.25% below tier average
Get updates when Minnwest Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $2.9B
+0.6% YoY -0.8% QoQ
+$147.7M $2.8B
-0.6% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $2.3B
+6.5% YoY +3.3% QoQ
+$357.3M $2.0B
-0.3% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $2.6B
-0.4% YoY -1.1% QoQ
+$251.2M $2.3B
-0.5% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 1.14%
+38.6% YoY -8.5% QoQ
-0.25% 1.39%
+17.0% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 4.23%
+20.8% YoY +3.2% QoQ
+0.36% 3.87%
+6.2% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 59.02%
-6.5% YoY +1.8% QoQ
-0.70% 59.73%
-12.6% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.57%
-44.4% YoY +22.8% QoQ
-0.30% 0.87%
+11.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 90.29%
+6.9% YoY +4.4% QoQ
+5.26% 85.04%
-0.1% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 21.82%
+7.4% YoY -0.8% QoQ
+0.54% 21.27%
-1.5% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
59%
Nonperforming Asset Ratio ? 0.67%
-11.8% YoY +16.4% QoQ
+0.00% 0.67%
+11.7% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 12.08%
+2.6% YoY -0.2% QoQ
-2.76% 14.84%
-0.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
35%
Non-Interest Income / Assets ? 0.28%
-3.2% YoY +95.1% QoQ
-0.24% 0.53%
+2.5% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
49%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 21.8%
+1.5pp YoY
-0.2pp QoQ
 +0.4pp 21.4% 21.9% 22.2% 59%
Brokered Deposits 8.3%
-6.7pp YoY
-0.9pp QoQ
 -1.2pp 9.5% 8.3% 8.5% 62%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 10.8%
+2.9pp YoY
+1.1pp QoQ
 -3.2pp 14.0% 14.6% 12.5% 47%
CRE 49.3%
-0.6pp YoY
+0.7pp QoQ
 -0.8pp 50.0% 36.5% 41.4% 47%
1-4 Family 8.4%
-0.3pp YoY
+0.1pp QoQ
 -18.1pp 26.4% 29.4% 31.3% 12%
Consumer 0.4%
-0.1pp YoY
0.0pp QoQ
 -4.3pp 4.7% 4.5% 5.0% 29%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 12.1%
+0.3pp YoY
0.0pp QoQ
 -3.5pp 15.6% 16.5% 19.7% 26%
Leverage Ratio 10.8%
+1.1pp YoY
+0.4pp QoQ
 -0.5pp 11.3% 11.0% 12.6% 56%
Total Capital Ratio 13.3%
+0.3pp YoY
0.0pp QoQ
 -3.4pp 16.7% 17.6% 20.8% 28%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 380
-12 (-3.1%) YoY
-4 (-1.0%) QoQ
 +66 313 55 482 76%
Assets per Employee ($) $7.7M
+3.8% YoY
+0.2% QoQ
 -$2.7M $10.5M $8.6M $8.8M 36%
Branch Count 36
0 YoY
0 QoQ
 +16 20 4 18 87%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.1pp 0.2% 0.4% 0.4% 30%
Nonaccrual 0.6%
-0.4pp YoY
+0.1pp QoQ
 -0.3pp 0.8% 1.0% 1.0% 53%
Allowance Coverage 2.51x
+68.2% YoY
-16.1% QoQ
 -16.20x 18.71x 20.41x 20.23x 58%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.3% 0.2% 0.2% 80%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 10.3%
+1.9pp YoY
-1.1pp QoQ
 -2.3pp 12.6% 13.1% 11.6% 35%
Cost of Funds (YTD) 1.7%
-0.4pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.7% 1.7% 33%
Net Income ($, YTD) $17.0M
+34.7% YoY
— QoQ
 -$2.2M $19.2M $4.5M $40.4M 64%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#80 of 361 • Bottom 21.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.29%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ

Flatlined Growth

risk
#77 of 162 • Bottom 46.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.14%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

189
Net Interest Margin
profitability
Value: 4.23%
Peer Median: 3.87%
#189 of 885 Top 21.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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