Community Bank Mankato: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Loan-to-deposit ratio: 2.27 percentage points lower than in Q2 2026, at 98.08%. Community Bank Mankato ranks 139th of 221 Minnesota banks on return on assets, in the lower half at 1.20% (Q3 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Community Bank Mankato sits 0.05 points lower, at 1.20% (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.75% |
| Equity capital to assets | 9.68% |
| Tangible equity to tangible assets | 9.68% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 1.99% |
| Non-performing assets ratio | 1.73% |
| Net charge-off ratio | 0.44% |
| Texas ratio | 16.48% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 47.80% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 12.64% |
| Net interest margin | 3.69% |
| Efficiency ratio | 50.39% |
| Yield on earning assets | 5.73% |
| Cost of funds | 2.22% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 98.08% |
| Core deposits to total deposits | 87.89% |
| Brokered deposits to total deposits | 0.11% |
| Deposits to assets | 88.53% |
| Securities to assets | 5.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 9.81% | 9.81% | 10.81% | 8.30% | 0.15% |
| Q1 2024 | 9.68% | 9.68% | 10.67% | 8.06% | 0.59% |
| Q2 2024 | 9.93% | 9.93% | 10.95% | 8.06% | 0.39% |
| Q3 2024 | 9.96% | 9.96% | 11.01% | 8.20% | 0.60% |
| Q4 2024 | 10.33% | 10.33% | 11.42% | 8.32% | 0.52% |
| Q1 2025 | 10.72% | 10.72% | 11.84% | 8.47% | 0.77% |
| Q2 2025 | 11.06% | 11.06% | 12.19% | 8.66% | 0.79% |
| Q3 2025 | 11.37% | 11.37% | 12.54% | 8.69% | 0.82% |
| Q4 2025 | 11.65% | 11.65% | 12.86% | 8.99% | 0.79% |
| Q1 2026 | 11.95% | 11.95% | 13.16% | 9.30% | 1.01% |
| Q2 2026 | 12.10% | 12.10% | 13.23% | 9.49% | 0.99% |
| Q3 2026 | — | — | — | 9.75% | 1.20% |
Community Bank Mankato vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank Mankato, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Bank Mankato profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9760) · FFIEC NIC profile (RSSD 835257)