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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.20% | 1.91% | 1.94% | 1.65% | 2.07% | 1.61% | 1.74% | 3.63% | +198 bps | |
| Return on Equity | 13.72% | 11.91% | 12.76% | 11.22% | 15.31% | 13.62% | 14.96% | 30.46% | +1,924 bps | |
| Net Interest Margin | 4.91% | 3.78% | 4.55% | 3.94% | 5.09% | 4.59% | 4.43% | 4.21% | +28 bps | |
| Efficiency Ratio | 58.34% | 44.87% | 61.53% | 58.91% | 66.34% | 66.34% | 53.41% | 59.22% | +31 bps | |
| Non-Interest Burden | 2.01% | 1.20% | 1.90% | 1.60% | 2.29% | 2.38% | 2.36% | 2.50% | +90 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 | -0.79% | -0.13% | -1.84% | -0.24% | -0.28% | -0.39% | -0.35% | 0.72% | +96 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 | |