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Battle Bank, National Association

$100M-$1B Specialty: Other MN FDIC cert 9336

Upsala, 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 +148.4% year over year ($112.4M on the books).
  • Delinquency rate 0.00%.
  • Return on assets -8.08%.
  • Efficiency ratio 393.73% vs a 64.48% peer average.
  • Loan-to-deposit ratio 10.97% 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) →

Battle Bank, National Association has 2 strengths 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 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 1.8% in tier
  • - Efficiency Drag: Bottom 13.6% in tier
  • - Return on Assets 9.40% below tier average
  • - Net Interest Margin 1.02% below tier average
Get updates when Battle Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $180.8M
+178.2% YoY +31.6% QoQ
-$205.8M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
21%
Total Loans ? $12.3M
-75.3% YoY +73.0% QoQ
-$246.0M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Bottom 0.5% in tier
Total Deposits ? $112.4M
+148.4% YoY +70.2% QoQ
-$214.4M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 9.4% in tier
Return on Assets ? -8.08%
-900.6% YoY +7.7% QoQ
-9.40% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Bottom 0.1% in tier
Net Interest Margin ? 2.97%
-31.7% YoY -4.1% QoQ
-1.02% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
Bottom 9.0% in tier
Efficiency Ratio ? 393.73%
+920.8% YoY -9.9% QoQ
+329.25% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Bottom 0.1% in tier
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 ? 10.97%
-90.0% YoY +1.6% QoQ
-66.98% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Top 0.6% in tier
Non-Interest-Bearing Deposit Share ? 5.23%
-46.6% YoY -26.5% QoQ
-16.80% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 3.8% in tier
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 ? 33.32%
-1.5% YoY -30.2% QoQ
+17.41% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Top 3.0% in tier
Non-Interest Income / Assets ? 0.14%
+255.0% QoQ
-0.42% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
32%

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 5.2%
-4.6pp YoY
-1.9pp QoQ
 -16.9pp 22.1% 21.9% 22.2% 3%
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 17.8%
-80.7pp YoY
-10.4pp QoQ
 +6.3pp 11.6% 14.6% 12.5% 84%
CRE n/a n/a 39.5% 36.5% 41.4% n/a
1-4 Family 1.0%
+0.2pp YoY
-0.1pp QoQ
 -31.6pp 32.6% 29.4% 31.3% 1%
Consumer 63.6%
+63.2pp YoY
+22.2pp QoQ
 +59.4pp 4.1% 4.5% 5.0% 100%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 33.3%
+5.4pp YoY
-14.4pp QoQ
 +21.2pp 12.2% 11.0% 12.6% 99%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 45
+41 (+1025.0%) YoY
+5 (+12.5%) QoQ
 -14 58 55 482 47%
Assets per Employee ($) $4.0M
-75.3% YoY
+17.0% QoQ
 -$3.5M $7.5M $8.6M $8.8M 5%
Branch Count 1
0 YoY
0 QoQ
 -4 4 4 18 0%

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) 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 -16.8%
-20.4pp YoY
-1.2pp QoQ
 -28.9pp 12.2% 13.1% 11.6% 1%
Cost of Funds (YTD) 1.3%
-0.7pp YoY
+0.3pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 23%
Net Income ($, YTD) $-5880000.0
-1903.7% YoY
— QoQ
 -$8.4M $2.6M $4.5M $40.4M 0%

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)

NIB Deposit Bleed

decline
#4 of 162 • Bottom 1.8% 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: 5.23%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#50 of 361 • Bottom 13.6% in tier

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

Why this signature
Efficiency Ratio: 393.73%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 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 (4 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
16
Loan-to-Deposit Ratio
liquidity
Value: 10.97%
Peer Median: 77.95%
#16 of 2643 Top 0.6% in $100M-$1B
79
Tier 1 Capital Ratio
capital
Value: 33.32%
Peer Median: 15.91%
#79 of 2643 Top 3.0% in $100M-$1B

Top Weaknesses (7 metrics)

2642
Efficiency Ratio
profitability
Value: 393.73%
Peer Median: 64.48%
#2642 of 2643 Bottom 0.1% in $100M-$1B
2641
Return on Assets
profitability
Value: -8.08%
Peer Median: 1.32%
#2641 of 2643 Bottom 0.1% in $100M-$1B
2630
Total Loans
size
Value: $12.33M
Peer Median: $258.35M
#2630 of 2643 Bottom 0.5% in $100M-$1B
2543
Non-Interest-Bearing Deposit Share
funding
Value: 5.23%
Peer Median: 22.03%
#2543 of 2643 Bottom 3.8% in $100M-$1B
2405
Net Interest Margin
profitability
Value: 2.97%
Peer Median: 3.99%
#2405 of 2643 Bottom 9.0% in $100M-$1B
2395
Total Deposits
size
Value: $112.38M
Peer Median: $326.73M
#2395 of 2643 Bottom 9.4% in $100M-$1B
2076
Total Assets
size
Value: $180.79M
Peer Median: $386.57M
#2076 of 2643 Bottom 21.5% in $100M-$1B
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