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Profinium, Inc.

$100M-$1B Specialty: Agricultural MN FDIC cert 1905

Truman, MN

4 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN
View $100M-$1B leaderboard (MN) →

Profinium, Inc. has 1 strength but faces 4 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

  • + Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 29.9% in tier
  • - ROA 0.53% below tier average
  • - Net Interest Margin 0.56% below tier average
  • - Efficiency Ratio 4.00% above tier average
Get updates when Profinium, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $523.9M
+0.9% YoY +0.3% QoQ
+$137.8M $386.1M
+0.5% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
74%
Total Loans ? $385.5M
-2.7% YoY -1.3% QoQ
+$129.8M $255.7M
+1.1% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
78%
Total Deposits ? $447.7M
+1.1% YoY +0.4% QoQ
+$119.7M $328.0M
+0.1% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
75%
Return on Assets ? 0.74%
+3.9% YoY -1.6% QoQ
-0.53% 1.27%
+12.9% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
23%
Net Interest Margin ? 3.37%
+3.5% YoY +4.2% QoQ
-0.56% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
25%
Efficiency Ratio ? 69.28%
-2.3% YoY -4.4% QoQ
+4.00% 65.29%
-4.5% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
34%
Delinquency Rate ? 0.19%
-13.7% YoY +2.0% QoQ
-0.70% 0.89%
+18.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
65%
Loan-to-Deposit Ratio ? 86.12%
-3.7% YoY -1.7% QoQ
+9.48% 76.64%
+0.8% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
32%
Non-Interest-Bearing Deposit Share ? 19.08%
+2.0% YoY -4.0% QoQ
-2.94% 22.02%
-1.0% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
41%
Nonperforming Asset Ratio ? 0.14%
-16.8% YoY +0.4% QoQ
-0.50% 0.64%
+19.7% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
66%
Tier 1 Capital Ratio ? 12.90%
+10.4% YoY +2.6% QoQ
-2.93% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
46%
Non-Interest Income / Assets ? 0.13%
+0.5% YoY -76.0% QoQ
-0.15% 0.28%
+9.3% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
65%

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 (1)

Flatlined Growth

risk
#154 of 512 • Bottom 29.9% 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: 0.74%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

581
Total Loans
size
Value: $385.52M
Peer Median: $255.72M
#581 of 2664 Top 21.8% in $100M-$1B

Top Weaknesses (2 metrics)

2056
Return on Assets
profitability
Value: 0.74%
Peer Median: 1.27%
#2056 of 2664 Bottom 22.9% in $100M-$1B
2002
Net Interest Margin
profitability
Value: 3.37%
Peer Median: 3.93%
#2002 of 2664 Bottom 24.9% in $100M-$1B
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