Prinsbank
Prinsburg, MN·RSSD 787459·FDIC 10191·bank:787459·Risk-based ratios where reported
- #88 of 225Total assets in Minnesota
- 4offices
- 32employees
- #1 of 169Return on assets in Minnesota
- Top 1%Deposit growth in the U.S.
- Top 2%Loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Prinsbank
10 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Leverage capital ratio falling while the peer median risesWorth a look: Capital 2nd quarter11.99%peers 10.81%+1.2 pp
Prinsbank's leverage ratio fell 3.3 percentage points over the past year to 11.99%. Among 1437 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 11.99% | 10.81% | +1.2 pp |
| 12-month change | ||
| -3.3 pp | +0.2 pp | -3.5 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Prinsbank itself is left out of every peer median and percentile. How signals work
Problem loans falling while the peer median holds steadyStrength: Asset quality 2nd quarter0.29%peers 0.43%-13 bps
Prinsbank's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans fell 187 bps over the past year to 0.29%. Among 1431 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 0.29% | 0.43% | -13 bps |
| 12-month change | ||
| -187 bps | 0 bps | -187 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Prinsbank itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings4.38%peers 1.32%+306 bps
Prinsbank's annualized return on assets rose 263 bps over the past year to 4.38%. Among 1433 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 4.38% | 1.32% | +306 bps |
| 12-month change | ||
| +263 bps | +14 bps | +248 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Prinsbank itself is left out of every peer median and percentile. How signals work
Deposits growing faster than peersStrength: Funding+43.7%peers +4.3%+39.5 pp
Prinsbank's deposits grew 43.7% over the past year to $263 million. The median among 1435 similar banks was +4.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| +43.7% | +4.3% | +39.5 pp |
| Deposits | ||
| $263 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Prinsbank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending+44.3%peers +5.5%+38.8 pp
Prinsbank's loans grew 44.3% over the past year to $189 million. The median among 1431 similar banks was +5.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +44.3% | +5.5% | +38.8 pp |
| Loans | ||
| $189 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Prinsbank itself is left out of every peer median and percentile. How signals work
5 more observations
- Total assets growing faster than peersGrowth
- Net charge-offs rising while the peer median holds steadyAsset quality
- Unrealized securities position worsening while the peer median improvesCapital
- C&I lending growing faster than peersLending
- Noninterest-bearing deposit share falling faster than peersFunding
Key facts
- Prinsbank is a bank headquartered in Prinsburg, Minnesota. It reported $308 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $263 million, up 43.7% from a year earlier, and loans totaled $189 million, up 44.3%.
- Its net interest margin was 4.30% and its annualized return on assets was 4.38% for the quarter.
- Its cost of all deposits was 2.25%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Prinsbank's own data, FORFI would look at: Which balance-sheet segments consume or release capital, relationship by relationship.
Analysis workspaces
Sources and identifiers
- Institution
- Prinsbank · Bank
- Federal Reserve RSSD
- 787459
- FDIC certificate
- 10191
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Prinsbank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $3.3M | — | |
| $4.59M | — | |
| $1.46M | — | |
| $3.13M | — | |
| $543K | — | |
| $2.42M | — | |
| -$2.3M | — | |
| -$2.2M | — | |
| 4.38% | 4.37%ROAQ · Quarter | |
| 4.30% | 4.29%NIMYQ · Quarter | |
| 65.72% | 59.22%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.