Pine River, MN · Cert 10194 · Norbanc Group Inc.
State charter, non-member · FDIC · 5 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
52
Asset Quality
73
Profitability
24
Liquidity
51
Efficiency
13
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.
Pine River, MN · Cert 10194 · Norbanc Group Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #119 of 125 inst. · $0.0B 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 | 0.41% | 0.46% | 0.55% | 0.64% | 0.68% | 0.74% | 0.69% | 0.72% | +8 bps | |
| Return on Equity | 6.42% | 7.04% | 7.50% | 8.54% | 8.94% | 9.57% | 8.51% | 8.85% | +31 bps | |
| Net Interest Margin | 2.93% | 2.99% | 3.21% | 3.25% | 3.23% | 3.26% | 3.48% | 3.60% | +35 bps | |
| Efficiency Ratio | 81.92% | 80.49% | 78.26% | 75.66% | 74.29% | 72.84% | 74.57% | 74.89% | -77 bps | |
| Non-Interest Burden | 2.37% | 2.38% | 2.46% | 2.41% | 2.35% | 2.32% | 2.56% | 2.67% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.50% | 1.97% | 0.64% | 2.68% | -0.08% | 4.81% | 5.82% | 3.55% | +86 bps | |
| Loan Growth (YoY) | 2.78% | 1.83% | 1.35% | 0.56% | -1.34% | -2.09% | 0.01% | 5.08% | +452 bps | |
| Deposit Growth (YoY) | 1.40% | 5.20% | 3.68% | 3.64% | 0.76% | 3.64% | 5.49% | 3.16% | -48 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.02% | 0.43% | 0.12% | 0.06% | 0.02% | 0.43% | 0.74% | +62 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.11% | 1.11% | 1.10% | 1.13% | 1.17% | 1.18% | 1.15% | 1.11% | -2 bps | |
| Allowance Coverage of NPLs | n/a | 47.2x | 2.5x | 9.4x | 18.4x | 58.8x | 2.7x | 1.5x | -7.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.85% | 8.02% | 8.35% | 8.26% | 8.07% | 8.19% | 8.22% | 8.48% | +22 bps | |
| Total Risk-Based Capital | 16.14% | 16.61% | 16.48% | 15.35% | 17.34% | 18.18% | 18.31% | 17.61% | +227 bps | |
| Equity / Assets | 6.81% | 7.09% | 7.70% | 7.83% | 8.00% | 8.16% | 8.09% | 8.17% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.51% | 61.40% | 64.73% | 61.71% | 60.22% | 58.01% | 61.37% | 62.85% | +115 bps | |
| Liquid Assets / Assets | 9.22% | 13.28% | 10.44% | 9.01% | 10.33% | 10.54% | 8.63% | 7.34% | -168 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 228% | 225% | 245% | n/a | n/a | |
Pine River, MN · Cert 10194 · Peer group: banks under $1B in assets in MN (n=111-113) · Norbanc Group Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
0.72%
Rank 95 of 113
Net Interest Margin
3.60%
Rank 77 of 113
Efficiency Ratio
74.89%
Rank 99 of 113
Equity / Assets
8.17%
Rank 92 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.87% | 1.20% | 1.41% | Beats 16% | 95 / 113 | ||
| Return on Equity | 8.84% | 8.92% | 11.27% | 13.99% | Beats 24% | 86 / 113 | ||
| Net Interest Margin | 3.60% | 3.42% | 3.88% | 4.31% | Beats 32% | 77 / 113 | ||
| Efficiency Ratio | 74.89% | 54.13% | 61.48% | 69.86% | Beats 13% | 99 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.74% | 0.09% | 0.58% | 1.82% | Beats 45% | 62 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.36% | 11.53% | 13.31% | 18.13% | Beats 68% | 36 / 113 | ||
| Total Risk-Based Capital Ratio | 17.61% | 12.12% | 14.43% | 19.39% | Beats 70% | 34 / 113 | ||
| Equity / Assets | 8.17% | 8.52% | 10.10% | 11.94% | Beats 19% | 92 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.85% | 62.08% | 77.32% | 88.06% | 25th pctl | 83 / 111 | ||
| Loans / Assets | 57.58% | 55.01% | 66.35% | 75.50% | 30th pctl | 79 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||