Hartland, MN · Cert 10561 · Minnesota Cmty Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.46% | 1.53% | 1.55% | 1.50% | 1.75% | +28 bps | |
| Return on Equity | 12.35% | 13.04% | 13.32% | 12.86% | 14.99% | +264 bps | |
| Net Interest Margin | 4.11% | 4.21% | 4.19% | 4.27% | 4.40% | +29 bps | |
| Efficiency Ratio | 55.52% | 53.42% | 53.44% | 55.91% | 52.66% | -285 bps | |
| Non-Interest Burden | 2.09% | 2.02% | 1.99% | 2.17% | 2.07% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.34% | 7.52% | 6.50% | 7.55% | 6.78% | +544 bps | |
| Loan Growth (YoY) | 3.72% | 4.78% | 7.37% | 9.49% | 6.33% | +261 bps | |
| Deposit Growth (YoY) | 2.15% | 13.24% | 7.41% | 7.20% | 7.69% | +554 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.12% | 0.10% | 0.13% | 0.10% | -6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.15% | 1.19% | 1.17% | 1.22% | 1.24% | +10 bps | |
| Allowance Coverage of NPLs | 7.5x | 10.1x | 12.3x | 9.7x | 13.0x | +5.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.71% | 11.94% | 11.86% | 11.90% | 12.01% | -71 bps | |
| Total Risk-Based Capital | 12.71% | 11.94% | 11.86% | 11.90% | 12.01% | -71 bps | |
| Equity / Assets | 12.07% | 11.45% | 11.88% | 11.49% | 11.80% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.61% | 86.46% | 91.58% | 89.71% | 88.48% | -113 bps | |
| Liquid Assets / Assets | 0.12% | 0.11% | 0.02% | 0.06% | 0.05% | -7 bps | |
| CRE / Total Capital | n/a | 220% | 233% | 242% | n/a | n/a | |