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Sentry Bank

$100M-$1B Specialty: Commercial MN FDIC cert 8546

Saint Joseph, MN

4 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 +21.9% year over year ($365.0M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.26%.
  • Efficiency ratio 52.98% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.84% 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) →

Sentry Bank has 3 strengths but faces 2 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 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 11.50% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 57.4% in tier
  • - ROA 0.06% below tier average
Get updates when Sentry 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 ? $415.5M
+18.9% YoY +9.7% QoQ
+$28.9M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $306.0M
+27.7% YoY +6.5% QoQ
+$47.7M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
68%
Total Deposits ? $365.0M
+21.9% YoY +10.6% QoQ
+$38.3M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 1.26%
+11.3% YoY +4.7% QoQ
-0.06% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 3.99%
+9.1% YoY +1.1% QoQ
+0.00% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
53%
Efficiency Ratio ? 52.98%
-3.6% YoY -3.2% QoQ
-11.50% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
77%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 83.84%
+4.8% YoY -3.7% QoQ
+5.89% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
41%
Non-Interest-Bearing Deposit Share ? 15.55%
-16.0% YoY -13.7% QoQ
-6.48% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 11.00%
+20.5% YoY -1.5% QoQ
-4.91% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.09%
-15.9% YoY +84.2% 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 15.5%
-3.0pp YoY
-2.5pp QoQ
 -6.6pp 22.1% 21.9% 22.2% 26%
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 18.4%
-0.6pp YoY
+0.5pp QoQ
 +6.8pp 11.6% 14.6% 12.5% 85%
CRE 54.2%
+2.8pp YoY
-1.1pp QoQ
 +14.6pp 39.5% 36.5% 41.4% 76%
1-4 Family 26.7%
-1.5pp YoY
+0.5pp QoQ
 -6.0pp 32.6% 29.4% 31.3% 44%
Consumer 1.3%
-0.5pp YoY
+0.1pp QoQ
 -2.8pp 4.1% 4.5% 5.0% 35%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 11.0%
-0.2pp QoQ
 -7.8pp 18.8% 16.5% 19.7% 8%
Leverage Ratio 8.7%
-0.5pp YoY
0.0pp QoQ
 -3.5pp 12.2% 11.0% 12.6% 8%
Total Capital Ratio 12.3%
-0.2pp QoQ
 -7.7pp 19.9% 17.6% 20.8% 9%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 47
+6 (+14.6%) YoY
+1 (+2.2%) QoQ
 -12 58 55 482 49%
Assets per Employee ($) $8.8M
+3.7% YoY
+7.4% QoQ
 +$1.3M $7.5M $8.6M $8.8M 78%
Branch Count 4
0 YoY
0 QoQ
 -1 4 4 18 42%

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 n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 20.41x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 31%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 13.6%
+1.5pp YoY
+0.9pp QoQ
 +1.4pp 12.2% 13.1% 11.6% 60%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 73%
Net Income ($, YTD) $2.5M
+29.3% YoY
— QoQ
 -$94K $2.6M $4.5M $40.4M 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)

NIB Deposit Bleed

decline
#94 of 162 • Bottom 57.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 15.55%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
612
Efficiency Ratio
profitability
Value: 52.98%
Peer Median: 64.48%
#612 of 2643 Top 23.1% in $100M-$1B

Top Weaknesses (2 metrics)

2222
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2222 of 2643 Bottom 16.0% in $100M-$1B
2024
Tier 1 Capital Ratio
capital
Value: 11.00%
Peer Median: 15.91%
#2024 of 2643 Bottom 23.5% in $100M-$1B
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