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 | |