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 | |