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 (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 | 0.54% | 0.60% | 0.55% | 0.74% | 0.77% | 0.91% | 0.69% | 0.75% | +1 bps | |
| Return on Equity | 8.06% | 8.61% | 7.50% | 9.53% | 9.70% | 11.20% | 8.51% | 9.28% | -26 bps | |
| Net Interest Margin | 3.10% | 3.22% | 3.21% | 3.39% | 3.48% | 3.53% | 3.48% | 3.68% | +29 bps | |
| Efficiency Ratio | 79.23% | 76.59% | 78.26% | 73.30% | 71.79% | 68.93% | 74.57% | 75.20% | +190 bps | |
| Non-Interest Burden | 2.43% | 2.43% | 2.46% | 2.42% | 2.45% | 2.37% | 2.56% | 2.75% | +33 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | 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 | |