Jeffers, MN · Cert 10200
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.71% | 1.71% | 1.58% | 2.52% | 2.24% | +53 bps | |
| Return on Equity | 13.74% | 13.39% | 12.28% | 18.91% | 16.27% | +253 bps | |
| Net Interest Margin | 4.32% | 4.35% | 4.18% | 4.23% | 4.27% | -5 bps | |
| Efficiency Ratio | 42.04% | 43.70% | 47.82% | 39.86% | 38.71% | -333 bps | |
| Non-Interest Burden | 1.76% | 1.84% | 1.95% | 1.60% | 1.59% | -17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.59% | 0.45% | -3.24% | 3.63% | -0.29% | -488 bps | |
| Loan Growth (YoY) | 5.45% | 2.77% | 1.74% | 0.49% | -3.92% | -936 bps | |
| Deposit Growth (YoY) | 3.90% | -0.60% | -4.98% | 2.35% | -2.31% | -621 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | -1.58% | -0.86% | -87 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.27% | 1.24% | 1.36% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.04% | 13.51% | 12.86% | 13.58% | 14.06% | +102 bps | |
| Total Risk-Based Capital | 19.68% | 20.22% | 20.00% | 19.27% | 21.98% | +230 bps | |
| Equity / Assets | 13.22% | 13.57% | 13.37% | 13.26% | 14.74% | +152 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.21% | 62.09% | 61.85% | 60.51% | 61.18% | -102 bps | |
| Liquid Assets / Assets | 31.63% | 31.53% | 31.34% | 29.70% | 31.98% | +35 bps | |
| CRE / Total Capital | n/a | 16.49% | 15.66% | 15.81% | n/a | n/a | |