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American National Bank of Minnesota

$100M-$1B Specialty: Commercial MN FDIC cert 26499

Baxter, MN

10 branches across MN

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits -2.6% year over year ($347.6M on the books).
  • Delinquency rate 1.01%.
  • Return on assets 1.35%.
  • Efficiency ratio 65.04% vs a 64.48% peer average.
  • Loan-to-deposit ratio 109.73% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

American National Bank of Minnesota 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

  • + Net Interest Margin 0.21% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 19.0% in tier
  • - Deposit Outflow: Bottom 28.2% in tier
  • - Credit Quality Pressure: Bottom 36.1% in tier
  • - Efficiency Ratio 0.56% above tier average
Get updates when American National Bank of Minnesota releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $473.2M
-2.7% YoY +0.8% QoQ
+$86.7M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $381.4M
-8.2% YoY -5.0% QoQ
+$123.0M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
77%
Total Deposits ? $347.6M
-2.6% YoY +2.1% QoQ
+$20.8M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? 1.35%
+38.5% YoY -1.5% QoQ
+0.03% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
56%
Net Interest Margin ? 4.20%
+6.1% YoY +0.4% QoQ
+0.21% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
65%
Efficiency Ratio ? 65.04%
-8.9% YoY +1.0% QoQ
+0.56% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
42%
Delinquency Rate ? 1.01%
+1.5% YoY -26.0% QoQ
+0.09% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 109.73%
-5.7% YoY -7.0% QoQ
+31.78% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 3.0% in tier
Non-Interest-Bearing Deposit Share ? 9.72%
-9.8% YoY -7.0% QoQ
-12.31% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 10.1% in tier
Nonperforming Asset Ratio ? 0.87%
-6.2% YoY -28.6% QoQ
+0.20% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
24%
Tier 1 Capital Ratio ? 14.32%
+16.3% YoY +11.4% QoQ
-1.58% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
60%
Non-Interest Income / Assets ? 0.09%
-31.7% YoY +103.6% QoQ
-0.47% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
16%

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 9.7%
-1.1pp YoY
-0.7pp QoQ
 -12.4pp 22.1% 21.9% 22.2% 10%
Brokered Deposits 24.8%
-0.8pp YoY
-2.1pp QoQ
 +16.9pp 7.9% 8.3% 8.5% 94%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 4.2%
+0.2pp YoY
-0.3pp QoQ
 -7.3pp 11.6% 14.6% 12.5% 15%
CRE 44.2%
0.0pp YoY
-0.8pp QoQ
 +4.7pp 39.5% 36.5% 41.4% 61%
1-4 Family 51.3%
+0.3pp YoY
+1.3pp QoQ
 +18.7pp 32.6% 29.4% 31.3% 84%
Consumer 1.2%
-0.4pp YoY
0.0pp QoQ
 -2.9pp 4.1% 4.5% 5.0% 33%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 14.3%
+2.0pp YoY
+1.5pp QoQ
 -4.5pp 18.8% 16.5% 19.7% 42%
Leverage Ratio 10.8%
+1.2pp YoY
+0.4pp QoQ
 -1.3pp 12.2% 11.0% 12.6% 47%
Total Capital Ratio 15.6%
+2.0pp YoY
+1.5pp QoQ
 -4.4pp 19.9% 17.6% 20.8% 43%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 76
+1 (+1.3%) YoY
+3 (+4.1%) QoQ
 +17 58 55 482 75%
Assets per Employee ($) $6.2M
-3.9% YoY
-3.2% QoQ
 -$1.3M $7.5M $8.6M $8.8M 38%
Branch Count 10
0 YoY
0 QoQ
 +5 4 4 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.0%
0.0pp YoY
-0.4pp QoQ
 +0.1pp 0.9% 1.0% 1.0% 72%
Allowance Coverage 1.34x
+4.2% YoY
+42.2% QoQ
 -22.81x 24.15x 20.41x 20.23x 36%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 45%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 12.9%
+2.5pp YoY
-0.3pp QoQ
 +0.7pp 12.2% 13.1% 11.6% 55%
Cost of Funds (YTD) 2.7%
-0.3pp YoY
0.0pp QoQ
 +1.0pp 1.7% 1.7% 1.7% 94%
Net Income ($, YTD) $3.2M
+36.0% YoY
— QoQ
 +$643K $2.6M $4.5M $40.4M 72%

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 (3)

Liquidity Strain

risk
#132 of 691 • Bottom 19.0% 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: 109.73%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#152 of 535 • Bottom 28.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#455 of 1256 • Bottom 36.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 1.01%
(Tier: 0.92%, National: 0.98%)
worse than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

606
Total Loans
size
Value: $381.38M
Peer Median: $258.35M
#606 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (4 metrics)

2564
Loan-to-Deposit Ratio
liquidity
Value: 109.73%
Peer Median: 77.95%
#2564 of 2643 Bottom 3.0% in $100M-$1B
2377
Non-Interest-Bearing Deposit Share
funding
Value: 9.72%
Peer Median: 22.03%
#2377 of 2643 Bottom 10.1% in $100M-$1B
2216
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2216 of 2643 Bottom 16.2% in $100M-$1B
2011
Nonperforming Asset Ratio
credit_quality
Value: 0.87%
Peer Median: 0.67%
#2011 of 2643 Bottom 24.0% in $100M-$1B
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