Marine on Saint Croix, MN · Cert 10163 · Marine Bancshares Inc.
State charter, non-member · FDIC · 4 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 in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
74
Asset Quality
58
Profitability
92
Liquidity
76
Efficiency
96
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.
Marine on Saint Croix, MN · Cert 10163 · Marine Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #67 of 125 inst. · $0.2B 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 | 1.90% | 1.76% | 2.04% | 1.91% | 1.91% | 1.86% | 2.01% | 2.04% | +12 bps | |
| Return on Equity | 18.23% | 16.87% | 20.00% | 18.69% | 18.57% | 17.83% | 18.81% | 19.00% | +31 bps | |
| Net Interest Margin | 4.08% | 4.05% | 4.03% | 4.10% | 4.05% | 4.13% | 4.15% | 4.35% | +25 bps | |
| Efficiency Ratio | 46.81% | 49.03% | 43.13% | 45.78% | 45.57% | 47.39% | 41.47% | 42.50% | -329 bps | |
| Non-Interest Burden | 1.70% | 1.79% | 1.31% | 1.59% | 1.60% | 1.74% | 1.53% | 1.67% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.41% | 8.99% | 13.35% | 8.96% | 8.41% | 5.65% | 2.65% | 3.03% | -594 bps | |
| Loan Growth (YoY) | 10.33% | 9.53% | 8.60% | 5.24% | 1.70% | 2.90% | 4.86% | 4.81% | -43 bps | |
| Deposit Growth (YoY) | 7.81% | 9.06% | 13.72% | 9.04% | 8.44% | 5.17% | 2.03% | 2.50% | -654 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.23% | 0.34% | 0.17% | 0.14% | 0.13% | 0.13% | 0.13% | -4 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | 0.00% | 0.00% | -0.01% | -0.06% | 0.08% | 0.04% | +4 bps | |
| Allowance / Loans | 1.12% | 1.19% | 1.23% | 1.24% | 1.27% | 1.32% | 1.31% | 1.32% | +8 bps | |
| Allowance Coverage of NPLs | 6.2x | 5.1x | 3.6x | 7.4x | 9.4x | 10.0x | 10.1x | 10.3x | +2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.75% | 10.96% | 10.53% | 10.45% | 10.46% | 10.98% | 10.50% | 10.87% | +42 bps | |
| Total Risk-Based Capital | 15.90% | 16.50% | 16.27% | 16.51% | 17.01% | 16.95% | 16.07% | 16.34% | -18 bps | |
| Equity / Assets | 10.40% | 10.57% | 9.84% | 10.34% | 10.31% | 10.97% | 10.43% | 10.79% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.23% | 86.80% | 82.12% | 85.15% | 81.81% | 84.93% | 84.40% | 87.06% | +191 bps | |
| Liquid Assets / Assets | 10.37% | 12.04% | 13.96% | 13.68% | 16.36% | 11.29% | 10.59% | 8.16% | -552 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 193.23% | 201% | 212% | n/a | n/a | |
Marine on Saint Croix, MN · Cert 10163 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Marine Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
2.05%
Rank 2 of 53
Net Interest Margin
4.35%
Rank 8 of 53
Efficiency Ratio
42.50%
Rank 3 of 53
Equity / Assets
10.79%
Rank 13 of 53
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.05% | 0.73% | 1.11% | 1.30% | Beats 96% | 2 / 53 | ||
| Return on Equity | 18.95% | 7.88% | 12.20% | 14.12% | Beats 94% | 3 / 53 | ||
| Net Interest Margin | 4.35% | 3.39% | 3.77% | 4.09% | Beats 85% | 8 / 53 | ||
| Efficiency Ratio | 42.50% | 56.05% | 65.05% | 71.57% | Beats 96% | 3 / 53 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.14% | 0.52% | 1.20% | Beats 77% | 13 / 53 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.08% | Beats 38% | 34 / 53 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.08% | 10.73% | 12.98% | 15.08% | Beats 74% | 14 / 53 | ||
| Total Risk-Based Capital Ratio | 16.34% | 11.49% | 13.79% | 16.34% | Beats 74% | 14 / 53 | ||
| Equity / Assets | 10.79% | 8.08% | 9.25% | 10.72% | Beats 75% | 13 / 53 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.06% | 72.13% | 82.29% | 93.80% | 57th pctl | 23 / 53 | ||
| Loans / Assets | 77.17% | 63.64% | 71.80% | 79.37% | 70th pctl | 16 / 53 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||