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Worthington Federal Savings Bank, FSB

$100M-$1B Specialty: Mortgage MN FDIC cert 29426

Designations: ✓ Mutual

Worthington, MN

3 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 +30.0% year over year ($113.3M on the books).
  • Delinquency rate 0.66%.
  • Return on assets 0.61%.
  • Efficiency ratio 67.01% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.94% 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) →

Worthington Federal Savings Bank, FSB has 1 strength but faces 6 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 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 8.9% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Non-Interest-Bearing Deposit Share 16.56% below tier average
  • - ROA 0.71% below tier average
  • - Net Interest Margin 0.99% below tier average
  • - Efficiency Ratio 2.53% above tier average
Get updates when Worthington Federal Savings Bank, FSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $135.4M
+27.3% YoY -0.6% QoQ
-$251.2M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 9.7% in tier
Total Loans ? $88.3M
+20.0% YoY -1.2% QoQ
-$170.0M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Bottom 14.0% in tier
Total Deposits ? $113.3M
+30.0% YoY +0.6% QoQ
-$213.4M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 9.6% in tier
Return on Assets ? 0.61%
+170.6% YoY +0.8% QoQ
-0.71% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 3.00%
+26.0% YoY -2.7% QoQ
-0.99% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
Bottom 10.1% in tier
Efficiency Ratio ? 67.01%
-22.0% YoY +5.2% QoQ
+2.53% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 0.66%
+108.7% YoY +64.7% QoQ
-0.26% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 77.94%
-7.7% YoY -1.8% QoQ
-0.01% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
53%
Non-Interest-Bearing Deposit Share ? 5.47%
-3.3% YoY -4.2% QoQ
-16.56% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 4.0% in tier
Nonperforming Asset Ratio ? 0.43%
+96.7% YoY +63.8% QoQ
-0.24% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
42%
Tier 1 Capital Ratio ? 31.06%
-3.1% YoY +2.5% QoQ
+15.15% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Top 3.7% in tier
Non-Interest Income / Assets ? 0.10%
+92.0% YoY +259.0% QoQ
-0.47% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
18%

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 5.5%
-0.2pp YoY
-0.2pp QoQ
 -16.7pp 22.1% 21.9% 22.2% 4%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 0.8%
+0.2pp YoY
-0.4pp QoQ
 -10.8pp 11.6% 14.6% 12.5% 3%
CRE n/a n/a 39.5% 36.5% 41.4% n/a
1-4 Family 94.1%
-1.6pp YoY
+0.9pp QoQ
 +61.5pp 32.6% 29.4% 31.3% 99%
Consumer 4.2%
-0.2pp YoY
-0.1pp QoQ
 +0.1pp 4.1% 4.5% 5.0% 72%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 31.1%
-1.0pp YoY
+0.8pp QoQ
 +12.2pp 18.8% 16.5% 19.7% 94%
Leverage Ratio 14.8%
+0.9pp YoY
+0.4pp QoQ
 +2.7pp 12.2% 11.0% 12.6% 86%
Total Capital Ratio 31.9%
-1.1pp YoY
+0.8pp QoQ
 +11.9pp 19.9% 17.6% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 16
+4 (+33.3%) YoY
0 QoQ
 -43 58 55 482 5%
Assets per Employee ($) $8.5M
-4.5% YoY
-0.6% QoQ
 +$944K $7.5M $8.6M $8.8M 74%
Branch Count 3
+1 (+50.0%) YoY
0 QoQ
 -2 4 4 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.3pp QoQ
 0.0pp 0.3% 0.4% 0.4% 74%
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.6pp 0.9% 1.0% 1.0% 43%
Allowance Coverage 0.92x
-47.9% YoY
-38.3% QoQ
 -23.23x 24.15x 20.41x 20.23x 24%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 4.2%
+2.5pp YoY
0.0pp QoQ
 -8.0pp 12.2% 13.1% 11.6% 11%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 68%
Net Income ($, YTD) $414,000
+247.9% YoY
— QoQ
 -$2.1M $2.6M $4.5M $40.4M 9%

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 Overhang

risk
#67 of 742 • Bottom 8.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 31.06%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 77.94%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#629 of 1256 • Bottom 50.0% in tier

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

Why this signature
Delinquency Rate: 0.66%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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)

100
Tier 1 Capital Ratio
capital
Value: 31.06%
Peer Median: 15.91%
#100 of 2643 Top 3.7% in $100M-$1B

Top Weaknesses (7 metrics)

2537
Non-Interest-Bearing Deposit Share
funding
Value: 5.47%
Peer Median: 22.03%
#2537 of 2643 Bottom 4.0% in $100M-$1B
2389
Total Deposits
size
Value: $113.35M
Peer Median: $326.73M
#2389 of 2643 Bottom 9.6% in $100M-$1B
2388
Total Assets
size
Value: $135.40M
Peer Median: $386.57M
#2388 of 2643 Bottom 9.7% in $100M-$1B
2378
Net Interest Margin
profitability
Value: 3.00%
Peer Median: 3.99%
#2378 of 2643 Bottom 10.1% in $100M-$1B
2274
Total Loans
size
Value: $88.34M
Peer Median: $258.35M
#2274 of 2643 Bottom 14.0% in $100M-$1B
2232
Return on Assets
profitability
Value: 0.61%
Peer Median: 1.32%
#2232 of 2643 Bottom 15.6% in $100M-$1B
2179
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2179 of 2643 Bottom 17.6% in $100M-$1B
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