Janesville, MN · Cert 10960 · Janesville Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
100
Profitability
46
Liquidity
73
Efficiency
76
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Janesville, MN · Cert 10960 · Janesville Holding Co.
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.83% | 1.09% | 1.18% | 1.23% | 1.24% | 1.28% | 1.33% | +15 bps | |
| Return on Equity | 8.08% | 8.00% | 9.90% | 10.62% | 10.93% | 10.95% | 11.33% | 11.92% | +131 bps | |
| Net Interest Margin | 2.70% | 2.73% | 3.07% | 3.21% | 3.16% | 3.14% | 3.37% | 3.28% | +8 bps | |
| Efficiency Ratio | 62.61% | 63.43% | 58.84% | 56.47% | 55.12% | 55.24% | 55.08% | 53.76% | -272 bps | |
| Non-Interest Burden | 1.60% | 1.64% | 1.70% | 1.70% | 1.62% | 1.62% | 1.74% | 1.65% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.04% | -3.72% | -4.58% | -0.74% | 3.59% | 5.33% | 9.46% | 10.73% | +1,147 bps | |
| Loan Growth (YoY) | 6.64% | 2.60% | 2.92% | 7.45% | 5.16% | 6.12% | 5.63% | 0.70% | -675 bps | |
| Deposit Growth (YoY) | -7.40% | -0.47% | 3.32% | 2.94% | 10.41% | 4.88% | 7.51% | 14.21% | +1,127 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.14% | 1.11% | 1.13% | 1.09% | 1.09% | 1.05% | 1.07% | 1.08% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.18% | 12.44% | 11.99% | 12.42% | 12.44% | 12.41% | 11.66% | 11.44% | -98 bps | |
| Total Risk-Based Capital | 12.18% | 12.44% | 11.99% | 12.42% | 12.44% | 12.41% | 11.66% | 11.44% | -98 bps | |
| Equity / Assets | 11.14% | 10.89% | 11.09% | 11.33% | 11.63% | 11.65% | 10.89% | 10.85% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.08% | 90.94% | 90.89% | 94.84% | 91.51% | 92.02% | 89.30% | 83.62% | -1,122 bps | |
| Liquid Assets / Assets | 3.32% | 5.02% | 3.45% | 2.78% | 5.28% | 4.91% | 7.42% | 7.14% | +437 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 53.66% | 51.70% | 50.84% | n/a | n/a | |
Janesville, MN · Cert 10960 · Peer group: banks under $1B in assets in MN (n=111-113) · Janesville Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.29%
Rank 45 of 113
Net Interest Margin
3.28%
Rank 89 of 113
Efficiency Ratio
53.76%
Rank 28 of 113
Equity / Assets
10.85%
Rank 48 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.29% | 0.87% | 1.20% | 1.41% | Beats 60% | 45 / 113 | ||
| Return on Equity | 11.89% | 8.92% | 11.27% | 13.99% | Beats 56% | 50 / 113 | ||
| Net Interest Margin | 3.28% | 3.42% | 3.88% | 4.31% | Beats 21% | 89 / 113 | ||
| Efficiency Ratio | 53.76% | 54.13% | 61.48% | 69.86% | Beats 76% | 28 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.58% | 1.82% | Beats 100% | 12 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.44% | 11.53% | 13.31% | 18.13% | Beats 23% | 87 / 113 | ||
| Total Risk-Based Capital Ratio | 11.44% | 12.12% | 14.43% | 19.39% | Beats 19% | 91 / 113 | ||
| Equity / Assets | 10.85% | 8.52% | 10.10% | 11.94% | Beats 58% | 48 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.62% | 62.08% | 77.32% | 88.06% | 66th pctl | 38 / 111 | ||
| Loans / Assets | 71.16% | 55.01% | 66.35% | 75.50% | 60th pctl | 45 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||