Bayport, MN · Cert 10159 · Universal Finl Services Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.2% share · #38 of 125 inst. · $0.5B of $253.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.33% | 1.47% | 1.42% | 1.27% | 1.53% | +19 bps | |
| Return on Equity | 15.68% | 16.88% | 16.61% | 15.44% | 18.75% | +308 bps | |
| Net Interest Margin | 3.57% | 3.68% | 3.60% | 3.35% | 3.56% | -2 bps | |
| Efficiency Ratio | 67.96% | 66.57% | 68.44% | 68.70% | 64.25% | -372 bps | |
| Non-Interest Burden | 1.75% | 1.74% | 1.80% | 1.62% | 1.53% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.55% | 6.21% | 11.62% | 14.62% | 19.78% | +922 bps | |
| Loan Growth (YoY) | 14.56% | 8.75% | 5.43% | 2.92% | 4.84% | -972 bps | |
| Deposit Growth (YoY) | 5.75% | 5.47% | 11.12% | 15.20% | 25.40% | +1,965 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.00% | 0.00% | 0.03% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.19% | 1.24% | 1.26% | 1.25% | 1.19% | 0 bps | |
| Allowance Coverage of NPLs | 44.1x | 45.9x | n/a | n/a | 38.4x | -5.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.19% | 9.41% | 8.98% | 8.99% | 8.91% | -28 bps | |
| Total Risk-Based Capital | 14.65% | 15.42% | 15.74% | 15.60% | 14.81% | +16 bps | |
| Equity / Assets | 8.53% | 8.94% | 8.20% | 8.24% | 8.06% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.63% | 79.67% | 70.26% | 72.36% | 72.42% | -1,420 bps | |
| Liquid Assets / Assets | 2.10% | 5.82% | 13.38% | 10.55% | 10.74% | +864 bps | |
| CRE / Total Capital | n/a | 320% | 305% | 317% | n/a | n/a | |