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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.68% | 0.74% | 0.69% | 0.72% | +8 bps | |
| Return on Equity | 8.54% | 8.94% | 9.57% | 8.51% | 8.85% | +31 bps | |
| Net Interest Margin | 3.25% | 3.23% | 3.26% | 3.48% | 3.60% | +35 bps | |
| Efficiency Ratio | 75.66% | 74.29% | 72.84% | 74.57% | 74.89% | -77 bps | |
| Non-Interest Burden | 2.41% | 2.35% | 2.32% | 2.56% | 2.67% | +26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.68% | -0.08% | 4.81% | 5.82% | 3.55% | +86 bps | |
| Loan Growth (YoY) | 0.56% | -1.34% | -2.09% | 0.01% | 5.08% | +452 bps | |
| Deposit Growth (YoY) | 3.64% | 0.76% | 3.64% | 5.49% | 3.16% | -48 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.06% | 0.02% | 0.43% | 0.74% | +62 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.13% | 1.17% | 1.18% | 1.15% | 1.11% | -2 bps | |
| Allowance Coverage of NPLs | 9.4x | 18.4x | 58.8x | 2.7x | 1.5x | -7.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.26% | 8.07% | 8.19% | 8.22% | 8.48% | +22 bps | |
| Total Risk-Based Capital | 15.35% | 17.34% | 18.18% | 18.31% | 17.61% | +227 bps | |
| Equity / Assets | 7.83% | 8.00% | 8.16% | 8.09% | 8.17% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.71% | 60.22% | 58.01% | 61.37% | 62.85% | +115 bps | |
| Liquid Assets / Assets | 9.01% | 10.33% | 10.54% | 8.63% | 7.34% | -168 bps | |
| CRE / Total Capital | n/a | 228% | 225% | 245% | n/a | n/a | |