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 | |