Randall, MN · Cert 10969 · Security St Agency Aitkin Inc.
State charter, non-member · FDIC · 2 branches
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
39
Asset Quality
11
Profitability
53
Liquidity
13
Efficiency
38
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.
Randall, MN · Cert 10969 · Security St Agency Aitkin Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)
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 | 1.27% | 0.94% | 1.21% | 1.07% | 1.22% | 0.27% | 1.42% | 1.18% | +11 bps | |
| Return on Equity | 13.02% | 9.48% | 11.94% | 10.52% | 12.58% | 2.39% | 8.40% | 6.98% | -354 bps | |
| Net Interest Margin | 4.84% | 5.01% | 5.47% | 5.41% | 5.13% | 1.57% | 5.64% | 5.57% | +16 bps | |
| Efficiency Ratio | 62.38% | 67.18% | 64.18% | 67.37% | 64.42% | 55.90% | 63.11% | 62.37% | -500 bps | |
| Non-Interest Burden | 2.99% | 3.34% | 3.50% | 3.63% | 3.30% | 0.84% | 3.43% | 3.35% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | -3.45% | 1.48% | 1.55% | 26.33% | 21.68% | 24.17% | 28.11% | +2,656 bps | |
| Loan Growth (YoY) | -0.29% | 0.62% | 4.99% | 2.41% | 14.40% | 18.52% | 21.76% | 27.67% | +2,526 bps | |
| Deposit Growth (YoY) | 0.57% | -3.92% | 0.68% | 0.85% | 28.55% | 12.25% | 14.82% | 18.67% | +1,782 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.23% | 0.90% | 0.80% | 2.54% | 2.12% | 2.47% | 3.16% | 2.30% | -24 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.62% | 0.00% | 0.05% | 0.03% | 0.10% | -0.02% | 0.75% | +70 bps | |
| Allowance / Loans | 1.31% | 1.05% | 1.10% | 1.15% | 1.15% | 1.33% | 1.26% | 1.04% | -10 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 1.4x | 0.5x | 0.5x | 0.5x | 0.4x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.22% | 10.29% | 10.25% | 10.43% | 9.80% | 10.34% | 10.34% | 10.73% | +30 bps | |
| Total Risk-Based Capital | 10.22% | 10.29% | 10.25% | 10.43% | 9.80% | 10.34% | 10.34% | 10.73% | +30 bps | |
| Equity / Assets | 10.15% | 10.29% | 9.92% | 10.31% | 8.57% | 17.21% | 16.55% | 16.97% | +667 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.32% | 89.24% | 88.75% | 90.71% | 76.82% | 94.23% | 94.11% | 97.60% | +688 bps | |
| Liquid Assets / Assets | 5.21% | 4.86% | 4.30% | 4.77% | 4.13% | 4.01% | 3.80% | 3.40% | -137 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 259% | 273% | 289% | n/a | n/a | |
Randall, MN · Cert 10969 · Peer group: banks under $1B in assets in MN (n=111-113) · Security St Agency Aitkin Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)
Q2 2026
Return on Assets
1.14%
Rank 61 of 113
Net Interest Margin
5.57%
Rank 2 of 113
Efficiency Ratio
65.08%
Rank 71 of 113
Equity / Assets
16.97%
Rank 7 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.14% | 0.87% | 1.20% | 1.41% | Beats 46% | 61 / 113 | ||
| Return on Equity | 6.75% | 8.92% | 11.27% | 13.99% | Beats 16% | 95 / 113 | ||
| Net Interest Margin | 5.57% | 3.42% | 3.88% | 4.31% | Beats 98% | 2 / 113 | ||
| Efficiency Ratio | 65.08% | 54.13% | 61.48% | 69.86% | Beats 38% | 71 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.30% | 0.09% | 0.58% | 1.82% | Beats 14% | 96 / 111 | ||
| Net Charge-Offs / Loans | 0.38% | n/a | 0.00% | 0.04% | Beats 7% | 104 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.73% | 11.53% | 13.31% | 18.13% | Beats 12% | 99 / 113 | ||
| Total Risk-Based Capital Ratio | 10.73% | 12.12% | 14.43% | 19.39% | Beats 11% | 101 / 113 | ||
| Equity / Assets | 16.97% | 8.52% | 10.10% | 11.94% | Beats 94% | 7 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.60% | 62.08% | 77.32% | 88.06% | 86th pctl | 15 / 111 | ||
| Loans / Assets | 80.82% | 55.01% | 66.35% | 75.50% | 83rd pctl | 19 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||