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Community Bank Mankato

$100M-$1B Specialty: Commercial MN FDIC cert 9760

Vernon Center, MN

5 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 +0.9% year over year ($473.9M on the books).
  • Delinquency rate 2.17%.
  • Return on assets 1.01%.
  • Efficiency ratio 58.10% vs a 64.48% peer average.
  • Loan-to-deposit ratio 99.37% 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) →

Community Bank Mankato 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

  • + Efficiency Ratio 6.38% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 12.5% in tier
  • - Flatlined Growth: Bottom 21.0% in tier
  • - Nonperforming Asset Ratio 1.23% above tier average
  • - ROA 0.32% below tier average
  • - Net Interest Margin 0.48% below tier average
  • - Delinquency Rate 1.25% above tier average
Get updates when Community Bank Mankato releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $538.3M
-1.3% YoY -0.3% QoQ
+$151.7M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
75%
Total Loans ? $470.9M
-3.6% YoY -0.7% QoQ
+$212.6M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Top 14.0% in tier
Total Deposits ? $473.9M
+0.9% YoY +0.1% QoQ
+$147.1M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 1.01%
+27.7% YoY -1.2% QoQ
-0.32% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
34%
Net Interest Margin ? 3.51%
+15.5% YoY +4.0% QoQ
-0.48% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 58.10%
-10.4% YoY -0.1% QoQ
-6.38% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
63%
Delinquency Rate ? 2.17%
-2.8% YoY -5.1% QoQ
+1.25% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Bottom 11.3% in tier
Loan-to-Deposit Ratio ? 99.37%
-4.4% YoY -0.7% QoQ
+21.42% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 10.9% in tier
Non-Interest-Bearing Deposit Share ? 17.05%
+9.2% YoY +5.8% QoQ
-4.98% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 1.90%
-5.1% YoY -5.5% QoQ
+1.23% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Bottom 8.1% in tier
Tier 1 Capital Ratio ? 12.10%
+9.4% YoY +1.3% QoQ
-3.81% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.09%
-7.2% YoY +174.0% QoQ
-0.47% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
17%

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 17.1%
+1.4pp YoY
+0.9pp QoQ
 -5.1pp 22.1% 21.9% 22.2% 32%
Brokered Deposits 0.6% -7.2pp 7.9% 8.3% 8.5% 13%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 8.3%
-0.1pp YoY
+0.4pp QoQ
 -3.2pp 11.6% 14.6% 12.5% 42%
CRE 67.6%
+0.5pp YoY
0.0pp QoQ
 +28.1pp 39.5% 36.5% 41.4% 91%
1-4 Family 17.2%
+0.1pp YoY
-0.1pp QoQ
 -15.4pp 32.6% 29.4% 31.3% 24%
Consumer 0.6%
-0.2pp YoY
-0.4pp QoQ
 -3.5pp 4.1% 4.5% 5.0% 19%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 12.1%
+1.0pp YoY
+0.2pp QoQ
 -6.7pp 18.8% 16.5% 19.7% 18%
Leverage Ratio 9.5%
+0.8pp YoY
+0.2pp QoQ
 -2.7pp 12.2% 11.0% 12.6% 21%
Total Capital Ratio 13.2%
+1.0pp YoY
+0.1pp QoQ
 -6.7pp 19.9% 17.6% 20.8% 19%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 60
-5 (-7.7%) YoY
-2 (-3.2%) QoQ
 +1 58 55 482 63%
Assets per Employee ($) $9.0M
+6.9% YoY
+3.0% QoQ
 +$1.5M $7.5M $8.6M $8.8M 79%
Branch Count 5
0 YoY
0 QoQ
 0 4 4 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 17%
Nonaccrual 2.2%
-0.1pp YoY
-0.1pp QoQ
 +1.2pp 0.9% 1.0% 1.0% 89%
Allowance Coverage 0.46x
+4.7% YoY
-1.9% QoQ
 -23.70x 24.15x 20.41x 20.23x 8%
Net Charge-off Rate (YTD) 0.3%
+0.3pp YoY
+0.3pp QoQ
 +0.1pp 0.1% 0.2% 0.2% 88%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 10.8%
+1.6pp YoY
-0.2pp QoQ
 -1.4pp 12.2% 13.1% 11.6% 41%
Cost of Funds (YTD) 2.1%
-0.4pp YoY
-0.1pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 77%
Net Income ($, YTD) $2.7M
+26.9% YoY
— QoQ
 +$164K $2.6M $4.5M $40.4M 66%

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 Strain

risk
#87 of 691 • Bottom 12.5% 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: 99.37%
(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

Flatlined Growth

risk
#112 of 529 • Bottom 21.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.01%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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 (3 metrics)

370
Total Loans
size
Value: $470.90M
Peer Median: $258.35M
#370 of 2643 Top 14.0% in $100M-$1B
602
Total Deposits
size
Value: $473.87M
Peer Median: $326.73M
#602 of 2643 Top 22.7% in $100M-$1B
656
Total Assets
size
Value: $538.32M
Peer Median: $386.57M
#656 of 2643 Top 24.8% in $100M-$1B

Top Weaknesses (4 metrics)

2429
Nonperforming Asset Ratio
credit_quality
Value: 1.90%
Peer Median: 0.67%
#2429 of 2643 Bottom 8.1% in $100M-$1B
2355
Loan-to-Deposit Ratio
liquidity
Value: 99.37%
Peer Median: 77.95%
#2355 of 2643 Bottom 10.9% in $100M-$1B
2337
Delinquency Rate
credit_quality
Value: 2.17%
Peer Median: 0.92%
#2337 of 2633 Bottom 11.3% in $100M-$1B
2195
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2195 of 2643 Bottom 17.0% in $100M-$1B
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