Chatfield, MN · Cert 1098 · Johnson Bancshares Inc.
State charter, Fed member · FED · 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
100
Profitability
5
Liquidity
0
Efficiency
5
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.
Chatfield, MN · Cert 1098 · Johnson Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 1.1% share · #22 of 34 inst. · $0.1B of $7.6B
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 | 0.05% | 0.02% | 0.00% | 0.07% | 0.07% | 0.06% | 0.00% | 0.14% | +7 bps | |
| Return on Equity | 0.80% | 0.30% | 0.08% | 1.09% | 1.09% | 0.92% | 0.00% | 2.00% | +91 bps | |
| Net Interest Margin | 1.91% | 1.92% | 1.89% | 1.92% | 1.95% | 1.92% | 1.87% | 1.98% | +6 bps | |
| Efficiency Ratio | 102.94% | 103.00% | 102.97% | 98.77% | 98.74% | 98.83% | 103.46% | 94.42% | -435 bps | |
| Non-Interest Burden | 1.97% | 1.99% | 1.95% | 1.90% | 1.92% | 1.89% | 1.94% | 1.86% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.77% | -4.27% | -2.86% | -0.21% | 1.31% | 4.99% | 7.30% | 4.86% | +507 bps | |
| Loan Growth (YoY) | -0.06% | -0.26% | -0.56% | -6.25% | -5.34% | -7.04% | -11.20% | -6.31% | -6 bps | |
| Deposit Growth (YoY) | -7.47% | -4.73% | -3.94% | -1.32% | 0.87% | 3.52% | 6.81% | 4.60% | +592 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 | 0.80% | 0.81% | 0.82% | 0.83% | 0.85% | 0.87% | 0.93% | 0.88% | +6 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 | 10.21% | 10.31% | 10.28% | 10.24% | 10.37% | 10.17% | 9.63% | 9.73% | -52 bps | |
| Total Risk-Based Capital | 19.72% | 20.16% | 20.03% | 20.21% | 20.70% | 20.22% | 20.56% | 20.11% | -10 bps | |
| Equity / Assets | 7.14% | 6.01% | 6.55% | 6.83% | 7.54% | 7.33% | 7.00% | 7.10% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.45% | 40.11% | 39.62% | 39.23% | 38.90% | 36.01% | 32.93% | 35.14% | -409 bps | |
| Liquid Assets / Assets | 4.05% | 5.50% | 6.66% | 6.54% | 5.49% | 8.94% | 11.82% | 11.36% | +481 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 43.66% | 39.65% | 39.23% | n/a | n/a | |
Chatfield, MN · Cert 1098 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Johnson Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets
0.14%
Rank 704 of 746
Net Interest Margin
1.98%
Rank 728 of 746
Efficiency Ratio
94.42%
Rank 713 of 746
Equity / Assets
7.10%
Rank 693 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.14% | 0.72% | 1.06% | 1.45% | Beats 6% | 704 / 746 | ||
| Return on Equity | 2.01% | 6.74% | 10.51% | 13.63% | Beats 8% | 683 / 746 | ||
| Net Interest Margin | 1.98% | 3.17% | 3.68% | 4.16% | Beats 2% | 728 / 746 | ||
| Efficiency Ratio | 94.42% | 55.74% | 64.58% | 75.47% | Beats 5% | 713 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.54% | 11.55% | 13.75% | 17.60% | Beats 82% | 138 / 746 | ||
| Total Risk-Based Capital Ratio | 20.11% | 11.71% | 14.33% | 18.43% | Beats 81% | 141 / 746 | ||
| Equity / Assets | 7.10% | 8.90% | 10.51% | 13.06% | Beats 7% | 693 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 35.14% | 61.31% | 78.27% | 90.78% | 3rd pctl | 722 / 746 | ||
| Loans / Assets | 32.58% | 53.60% | 66.97% | 76.08% | 4th pctl | 716 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||