Cannon Falls, MN · Cert 10168 · 215 Holding Co.
State charter, non-member · FDIC · 7 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 MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
77
Profitability
66
Liquidity
78
Efficiency
89
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.
Cannon Falls, MN · Cert 10168 · 215 Holding Co.
State charter, non-member · FDIC · 5 affiliate banks · 7 branches (24 in holding)
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #102 of 125 inst. · $0.1B 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 | 0.45% | 0.53% | 0.88% | 0.97% | 1.01% | 1.03% | 1.18% | 1.36% | +39 bps | |
| Return on Equity | 5.98% | 6.96% | 10.59% | 11.56% | 12.04% | 12.21% | 13.57% | 15.12% | +356 bps | |
| Net Interest Margin | 2.88% | 2.95% | 3.52% | 3.60% | 3.63% | 3.65% | 3.98% | 4.00% | +39 bps | |
| Efficiency Ratio | 63.96% | 62.25% | 54.24% | 52.69% | 51.87% | 51.27% | 48.26% | 48.87% | -382 bps | |
| Non-Interest Burden | 1.71% | 1.70% | 1.73% | 1.72% | 1.70% | 1.69% | 1.73% | 1.76% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.69% | -3.81% | -3.03% | -0.16% | 2.63% | 7.71% | 4.88% | 4.77% | +493 bps | |
| Loan Growth (YoY) | 0.56% | -1.24% | 0.70% | 2.96% | 4.60% | 5.34% | 4.58% | 5.03% | +207 bps | |
| Deposit Growth (YoY) | 0.14% | 2.64% | 2.64% | 5.77% | 7.72% | 6.35% | 3.94% | 3.75% | -202 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.00% | 0.98% | 0.95% | 0.96% | 1.00% | 1.01% | 0.98% | +3 bps | |
| Allowance Coverage of NPLs | 119.5x | 116.5x | 116.6x | 116.6x | 118.6x | 122.8x | 125.4x | 126.0x | +9.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.23% | 9.21% | 9.69% | 9.48% | 9.30% | 9.44% | 9.44% | 10.09% | +61 bps | |
| Total Risk-Based Capital | 13.60% | 14.02% | 14.22% | 13.95% | 13.98% | 14.51% | 14.34% | 14.93% | +98 bps | |
| Equity / Assets | 7.99% | 8.02% | 8.55% | 8.53% | 8.61% | 8.62% | 8.72% | 9.66% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.65% | 67.14% | 69.33% | 70.10% | 69.58% | 66.51% | 69.76% | 70.96% | +86 bps | |
| Liquid Assets / Assets | 5.23% | 5.53% | 4.41% | 4.29% | 5.85% | 7.52% | 4.80% | 4.95% | +66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 209% | 202% | 209% | n/a | n/a | |
Cannon Falls, MN · Cert 10168 · Peer group: banks under $1B in assets in MN (n=111-113) · 215 Holding Co.
State charter, non-member · FDIC · 5 affiliate banks · 7 branches (24 in holding)
Q2 2026
Return on Assets
1.35%
Rank 37 of 113
Net Interest Margin
4.00%
Rank 48 of 113
Efficiency Ratio
48.87%
Rank 13 of 113
Equity / Assets
9.66%
Rank 68 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.35% | 0.87% | 1.20% | 1.41% | Beats 67% | 37 / 113 | ||
| Return on Equity | 13.99% | 8.92% | 11.27% | 13.99% | Beats 74% | 29 / 113 | ||
| Net Interest Margin | 4.00% | 3.42% | 3.88% | 4.31% | Beats 58% | 48 / 113 | ||
| Efficiency Ratio | 48.87% | 54.13% | 61.48% | 69.86% | Beats 89% | 13 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.58% | 1.82% | Beats 88% | 14 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 65% | 40 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.04% | 11.53% | 13.31% | 18.13% | Beats 55% | 51 / 113 | ||
| Total Risk-Based Capital Ratio | 14.93% | 12.12% | 14.43% | 19.39% | Beats 52% | 54 / 113 | ||
| Equity / Assets | 9.66% | 8.52% | 10.10% | 11.94% | Beats 40% | 68 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.96% | 62.08% | 77.32% | 88.06% | 36th pctl | 71 / 111 | ||
| Loans / Assets | 63.72% | 55.01% | 66.35% | 75.50% | 43rd pctl | 64 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||