Holdingford, MN · Cert 10160 · GBH Inc.
National charter · OCC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
62
Profitability
28
Liquidity
67
Efficiency
95
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Holdingford, MN · Cert 10160 · GBH Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.3% share · #23 of 125 inst. · $0.7B of $253.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.33% | -0.03% | 0.30% | 0.78% | 1.02% | 1.16% | 1.23% | +94 bps | |
| Return on Equity | 0.91% | 0.72% | -0.06% | 0.56% | 1.41% | 2.49% | 4.84% | 5.42% | +486 bps | |
| Net Interest Margin | 0.73% | 1.21% | 3.58% | 3.59% | 3.40% | 2.11% | 2.87% | 2.81% | -78 bps | |
| Efficiency Ratio | 24.85% | 86.09% | 96.44% | 87.13% | 73.24% | 58.96% | 43.27% | 41.99% | -4,514 bps | |
| Non-Interest Burden | 0.18% | 1.04% | 3.45% | 3.13% | 2.49% | 1.25% | 1.24% | 1.18% | -195 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 108.03% | 126.47% | 115.32% | 166.14% | 84.16% | 321% | 359% | 333% | +16,682 bps | |
| Loan Growth (YoY) | -13.14% | -27.08% | 42.90% | 86.53% | 201% | 768% | 429% | 387% | +30,081 bps | |
| Deposit Growth (YoY) | 19.64% | 22.27% | 0.43% | 88.65% | 61.44% | 712% | 927% | 565% | +47,608 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.32% | 0.07% | 0.10% | 0.04% | 0.03% | 0.02% | 0.10% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.15% | 0.21% | 0.28% | 0.18% | 0.07% | 0.02% | 0.00% | -28 bps | |
| Allowance / Loans | 1.37% | 0.99% | 0.53% | 0.31% | 0.17% | 0.06% | 0.04% | 0.00% | -31 bps | |
| Allowance Coverage of NPLs | 11.6x | 3.1x | 7.3x | 3.0x | 4.4x | 2.6x | 1.7x | 0.0x | -3.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 108.19% | 59.88% | 55.90% | 47.93% | 67.21% | 33.72% | 24.51% | 22.46% | -2,548 bps | |
| Total Risk-Based Capital | 176.12% | 162.87% | 94.85% | 81.38% | 103.42% | 43.93% | 35.94% | 30.43% | -5,095 bps | |
| Equity / Assets | 60.26% | 54.85% | 57.84% | 47.02% | 60.69% | 24.43% | 23.62% | 20.58% | -2,645 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.19% | 68.26% | 164.53% | 116.54% | 159.09% | 72.96% | 84.82% | 85.44% | -3,110 bps | |
| Liquid Assets / Assets | 0.07% | 0.28% | 0.23% | 0.80% | 13.98% | 36.64% | 28.16% | 17.38% | +1,658 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |
Holdingford, MN · Cert 10160 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · GBH Inc.
National charter · OCC · 2 branches
Q2 2026
Return on Assets
1.10%
Rank 353 of 746
Net Interest Margin
2.81%
Rank 658 of 746
Efficiency Ratio
41.99%
Rank 36 of 746
Equity / Assets
20.58%
Rank 33 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.72% | 1.06% | 1.45% | Beats 53% | 353 / 746 | ||
| Return on Equity | 5.35% | 6.74% | 10.51% | 13.63% | Beats 19% | 604 / 746 | ||
| Net Interest Margin | 2.81% | 3.17% | 3.68% | 4.16% | Beats 12% | 658 / 746 | ||
| Efficiency Ratio | 41.99% | 55.74% | 64.58% | 75.47% | Beats 95% | 36 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.42% | 1.07% | Beats 74% | 194 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 50% | 376 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 30.43% | 11.55% | 13.75% | 17.60% | Beats 95% | 38 / 746 | ||
| Total Risk-Based Capital Ratio | 30.43% | 11.71% | 14.33% | 18.43% | Beats 95% | 41 / 746 | ||
| Equity / Assets | 20.58% | 8.90% | 10.51% | 13.06% | Beats 96% | 33 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.44% | 61.31% | 78.27% | 90.78% | 65th pctl | 260 / 746 | ||
| Loans / Assets | 63.32% | 53.60% | 66.97% | 76.08% | 42nd pctl | 436 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||