Gonvick, MN · Cert 10187
State charter, non-member · FDIC · 1 branch
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
95
Asset Quality
70
Profitability
36
Liquidity
0
Efficiency
93
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.
Gonvick, MN · Cert 10187
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.65% | 1.65% | 1.28% | 1.19% | 1.18% | 1.15% | 1.33% | 1.32% | +13 bps | |
| Return on Equity | 10.70% | 10.80% | 8.57% | 7.75% | 7.45% | 7.41% | 9.03% | 8.68% | +93 bps | |
| Net Interest Margin | 3.49% | 3.34% | 2.86% | 2.77% | 2.92% | 2.74% | 3.12% | 3.10% | +33 bps | |
| Efficiency Ratio | 40.00% | 39.34% | 44.42% | 47.46% | 48.29% | 49.16% | 46.24% | 46.63% | -83 bps | |
| Non-Interest Burden | 1.33% | 1.26% | 1.22% | 1.26% | 1.36% | 1.30% | 1.40% | 1.39% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.93% | 1.22% | 0.74% | 0.66% | 1.26% | 2.54% | 1.99% | 0.59% | -7 bps | |
| Loan Growth (YoY) | 3.93% | 7.18% | 8.18% | 2.69% | 8.75% | 9.58% | 14.51% | 16.40% | +1,370 bps | |
| Deposit Growth (YoY) | 7.40% | 0.42% | 0.11% | 0.15% | 1.20% | 2.52% | 2.35% | 0.94% | +79 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.42% | 1.32% | 1.23% | 1.20% | 1.24% | 0.79% | 1.02% | 1.00% | -20 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.13% | -0.02% | -0.07% | -0.05% | 0.02% | 0.00% | -0.01% | +6 bps | |
| Allowance / Loans | 3.77% | 3.70% | 3.66% | 3.71% | 3.47% | 3.24% | 3.06% | 3.03% | -67 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.8x | 3.0x | 3.1x | 2.8x | 4.1x | 3.0x | 3.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.63% | 15.23% | 15.22% | 15.50% | 16.85% | 14.85% | 14.97% | 15.75% | +25 bps | |
| Total Risk-Based Capital | 55.37% | 52.24% | 50.36% | 53.98% | 51.15% | 47.80% | 44.29% | 47.46% | -652 bps | |
| Equity / Assets | 17.32% | 14.63% | 15.15% | 16.26% | 17.43% | 14.61% | 14.89% | 16.02% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.78% | 36.48% | 37.73% | 39.67% | 44.89% | 38.99% | 42.21% | 45.74% | +607 bps | |
| Liquid Assets / Assets | 44.27% | 50.01% | 14.29% | 20.89% | 1.69% | 13.03% | 9.34% | 16.49% | -440 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 31.84% | 41.26% | 47.62% | n/a | n/a | |
Gonvick, MN · Cert 10187 · Peer group: banks under $1B in assets in MN (n=111-113)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.38%
Rank 34 of 113
Net Interest Margin
3.10%
Rank 94 of 113
Efficiency Ratio
46.63%
Rank 9 of 113
Equity / Assets
16.02%
Rank 9 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.38% | 0.87% | 1.20% | 1.41% | Beats 70% | 34 / 113 | ||
| Return on Equity | 8.58% | 8.92% | 11.27% | 13.99% | Beats 21% | 89 / 113 | ||
| Net Interest Margin | 3.10% | 3.42% | 3.88% | 4.31% | Beats 17% | 94 / 113 | ||
| Efficiency Ratio | 46.63% | 54.13% | 61.48% | 69.86% | Beats 93% | 9 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.00% | 0.09% | 0.58% | 1.82% | Beats 39% | 69 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 46.18% | 11.53% | 13.31% | 18.13% | Beats 96% | 5 / 113 | ||
| Total Risk-Based Capital Ratio | 47.46% | 12.12% | 14.43% | 19.39% | Beats 96% | 5 / 113 | ||
| Equity / Assets | 16.02% | 8.52% | 10.10% | 11.94% | Beats 92% | 9 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.74% | 62.08% | 77.32% | 88.06% | 9th pctl | 101 / 111 | ||
| Loans / Assets | 38.25% | 55.01% | 66.35% | 75.50% | 8th pctl | 104 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||