New London, MN · Cert 10567 · Carlson Bankshares Inc.
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 | 1.61% | 1.38% | 1.15% | 1.61% | 1.60% | -1 bps | |
| Return on Equity | 21.36% | 17.89% | 14.90% | 20.91% | 21.04% | -32 bps | |
| Net Interest Margin | 4.56% | 4.55% | 4.49% | 4.43% | 4.55% | -1 bps | |
| Efficiency Ratio | 58.93% | 59.29% | 63.92% | 57.76% | 56.46% | -247 bps | |
| Non-Interest Burden | 2.60% | 2.60% | 2.78% | 2.45% | 2.47% | -13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.35% | 1.80% | 5.39% | 7.62% | 12.05% | +970 bps | |
| Loan Growth (YoY) | 15.21% | 16.67% | 16.34% | 21.24% | 24.49% | +928 bps | |
| Deposit Growth (YoY) | 2.18% | 2.01% | 4.92% | 7.60% | 12.26% | +1,008 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.27% | 0.25% | 0.22% | 0.54% | +24 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.20% | 0.18% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.92% | 0.93% | 0.83% | 0.79% | 0.80% | -11 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.4x | 3.4x | 3.7x | 1.5x | -1.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.89% | 8.02% | 8.02% | 7.57% | 7.78% | -11 bps | |
| Total Risk-Based Capital | 14.60% | 13.76% | 13.48% | 12.92% | 12.91% | -169 bps | |
| Equity / Assets | 7.73% | 8.12% | 7.84% | 7.53% | 7.48% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.25% | 84.29% | 82.73% | 84.48% | 85.67% | +842 bps | |
| Liquid Assets / Assets | 24.71% | 18.94% | 19.07% | 18.16% | 17.44% | -727 bps | |
| CRE / Total Capital | n/a | 144.64% | 160.86% | 153.20% | n/a | n/a | |