Prinsburg, MN · Cert 10191 · PSB Financial Shares 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 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
74
Asset Quality
36
Profitability
90
Liquidity
82
Efficiency
43
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.
Prinsburg, MN · Cert 10191 · PSB Financial Shares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #109 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 | 1.99% | 1.96% | 1.94% | 1.80% | 1.91% | 1.83% | 1.74% | 2.83% | +103 bps | |
| Return on Equity | 12.50% | 12.36% | 12.76% | 11.94% | 13.31% | 13.23% | 14.96% | 23.86% | +1,192 bps | |
| Net Interest Margin | 4.43% | 4.24% | 4.55% | 4.21% | 4.52% | 4.66% | 4.43% | 4.33% | +11 bps | |
| Efficiency Ratio | 56.88% | 54.43% | 61.53% | 60.34% | 62.73% | 63.57% | 53.41% | 56.23% | -411 bps | |
| Non-Interest Burden | 1.78% | 1.63% | 1.90% | 1.74% | 1.93% | 2.09% | 2.36% | 2.44% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.41% | 6.89% | 13.26% | 14.44% | 2.22% | 2.78% | 35.65% | 39.28% | +2,484 bps | |
| Loan Growth (YoY) | 1.43% | -5.31% | -4.74% | -3.25% | -0.44% | 9.49% | 43.63% | 44.35% | +4,759 bps | |
| Deposit Growth (YoY) | -2.12% | 6.68% | 13.78% | 15.53% | 6.51% | 7.33% | 40.81% | 43.74% | +2,821 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.50% | 1.95% | 2.94% | 2.16% | 0.82% | 0.67% | 1.34% | 0.29% | -187 bps | |
| Net Charge-Offs / Loans | -0.54% | -0.46% | -1.84% | -1.03% | -0.72% | -0.62% | -0.35% | 0.19% | +122 bps | |
| Allowance / Loans | 7.69% | 8.19% | 9.16% | 9.19% | 8.51% | 8.36% | 7.01% | 5.50% | -369 bps | |
| Allowance Coverage of NPLs | 3.1x | 4.2x | 3.1x | 4.2x | 10.3x | 12.4x | 5.3x | 18.7x | +14.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.72% | 16.13% | 15.03% | 15.29% | 11.06% | 11.89% | 10.76% | 11.99% | -329 bps | |
| Total Risk-Based Capital | 22.40% | 23.78% | 24.03% | 24.44% | 17.28% | 17.35% | 18.01% | 18.89% | -555 bps | |
| Equity / Assets | 16.21% | 15.81% | 14.61% | 14.88% | 11.97% | 11.74% | 11.61% | 12.23% | -265 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.06% | 80.79% | 71.27% | 71.68% | 86.06% | 82.42% | 72.69% | 71.98% | +30 bps | |
| Liquid Assets / Assets | 2.08% | 1.08% | 1.87% | 2.01% | 23.17% | 25.06% | 27.14% | 26.80% | +2,479 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 485% | 484% | 405% | n/a | n/a | |
Prinsburg, MN · Cert 10191 · Peer group: banks under $1B in assets in MN (n=111-113) · PSB Financial Shares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
2.50%
Rank 5 of 113
Net Interest Margin
4.33%
Rank 27 of 113
Efficiency Ratio
63.17%
Rank 65 of 113
Equity / Assets
12.23%
Rank 27 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.50% | 0.87% | 1.20% | 1.41% | Beats 96% | 5 / 113 | ||
| Return on Equity | 20.41% | 8.92% | 11.27% | 13.99% | Beats 97% | 3 / 113 | ||
| Net Interest Margin | 4.33% | 3.42% | 3.88% | 4.31% | Beats 76% | 27 / 113 | ||
| Efficiency Ratio | 63.17% | 54.13% | 61.48% | 69.86% | Beats 43% | 65 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.09% | 0.58% | 1.82% | Beats 62% | 43 / 111 | ||
| Net Charge-Offs / Loans | 0.22% | n/a | 0.00% | 0.04% | Beats 10% | 101 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.59% | 11.53% | 13.31% | 18.13% | Beats 73% | 30 / 113 | ||
| Total Risk-Based Capital Ratio | 18.89% | 12.12% | 14.43% | 19.39% | Beats 73% | 30 / 113 | ||
| Equity / Assets | 12.23% | 8.52% | 10.10% | 11.94% | Beats 76% | 27 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.98% | 62.08% | 77.32% | 88.06% | 40th pctl | 67 / 111 | ||
| Loans / Assets | 61.38% | 55.01% | 66.35% | 75.50% | 38th pctl | 70 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||