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BankCherokee

$100M-$1B Specialty: Commercial MN FDIC cert 8537

Saint Paul, MN

3 branches across MN

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

BankCherokee has 1 strength 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

  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 38.9% in tier
  • - ROA 0.78% below tier average
  • - Net Interest Margin 0.21% below tier average
Get updates when BankCherokee releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $420.4M
+5.5% YoY +3.0% QoQ
+$34.3M $386.1M
+0.5% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
64%
Total Loans ? $276.6M
+8.9% YoY -1.6% QoQ
+$20.9M $255.7M
+1.1% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
64%
Total Deposits ? $350.7M
+3.6% YoY +3.8% QoQ
+$22.7M $328.0M
+0.1% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
63%
Return on Assets ? 0.49%
+60.3% YoY -27.7% QoQ
-0.78% 1.27%
+12.9% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
Bottom 13.0% in tier
Net Interest Margin ? 3.72%
+2.7% YoY -2.7% QoQ
-0.21% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
42%
Efficiency Ratio ? 81.52%
-1.7% YoY +8.3% QoQ
+16.23% 65.29%
-4.5% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
Bottom 13.5% in tier
Delinquency Rate ? 0.35%
-7.0% YoY -5.7% QoQ
-0.53% 0.89%
+18.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
54%
Loan-to-Deposit Ratio ? 78.87%
+5.0% YoY -5.2% QoQ
+2.23% 76.64%
+0.8% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
49%
Non-Interest-Bearing Deposit Share ? 29.72%
-4.4% YoY +5.1% QoQ
+7.70% 22.02%
-1.0% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
81%
Nonperforming Asset Ratio ? 0.23%
-4.1% YoY -9.9% QoQ
-0.41% 0.64%
+19.7% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
56%
Tier 1 Capital Ratio ? 13.60%
+1.8% YoY -3.8% QoQ
-2.23% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.12%
-10.5% YoY -78.1% QoQ
-0.16% 0.28%
+9.3% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
61%

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)

Efficiency Drag

risk
#162 of 414 • Bottom 38.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 81.52%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable

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)

508
Non-Interest-Bearing Deposit Share
funding
Value: 29.72%
Peer Median: 22.02%
#508 of 2664 Top 19.0% in $100M-$1B

Top Weaknesses (2 metrics)

2320
Return on Assets
profitability
Value: 0.49%
Peer Median: 1.27%
#2320 of 2664 Bottom 13.0% in $100M-$1B
2305
Efficiency Ratio
profitability
Value: 81.52%
Peer Median: 65.29%
#2305 of 2664 Bottom 13.5% in $100M-$1B
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