Cambridge, MN · Cert 10987
FDIC · 4 branches
Q4 2023
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2023 SOD (annual) · 0.0% share · #106 of 137 inst. · $0.1B of $237.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.33% | 0.44% | 0.60% | 0.73% | 0.50% | 0.91% | -5.06% | -566 bps | |
| Return on Equity | 3.57% | 4.08% | 6.04% | 8.90% | 9.94% | 6.37% | 11.70% | -61.75% | -7,064 bps | |
| Net Interest Margin | 2.49% | 2.64% | 2.81% | 3.11% | 3.25% | 3.27% | 3.42% | 3.51% | +40 bps | |
| Efficiency Ratio | 84.84% | 85.49% | 81.78% | 76.06% | 73.54% | 79.80% | 65.09% | 91.37% | +1,531 bps | |
| Non-Interest Burden | 2.08% | 2.23% | 2.27% | 2.37% | 2.34% | 2.65% | 2.16% | 3.19% | +83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.38% | -1.89% | 1.79% | -0.96% | -0.06% | -0.26% | -5.55% | -4.45% | -348 bps | |
| Loan Growth (YoY) | -1.07% | -2.94% | 2.07% | -0.80% | 4.79% | 14.33% | 10.27% | 10.40% | +1,120 bps | |
| Deposit Growth (YoY) | 2.68% | 1.08% | 6.17% | 1.90% | 0.58% | -0.20% | -6.83% | -6.16% | -805 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.22% | 0.34% | 0.20% | 0.19% | 0.17% | 0.17% | 0.17% | -4 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.74% | 0.76% | 0.72% | 0.75% | 0.71% | 0.66% | 0.66% | 0.68% | -7 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.5x | 2.1x | 3.7x | 3.8x | 3.9x | 4.0x | 4.1x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.75% | 9.88% | 9.80% | 9.49% | 9.92% | 10.30% | 10.45% | 9.30% | -19 bps | |
| Total Risk-Based Capital | 9.75% | 9.88% | 9.80% | 9.49% | 9.92% | 10.30% | 10.45% | 9.30% | -19 bps | |
| Equity / Assets | 8.42% | 7.86% | 6.65% | 6.91% | 7.83% | 7.77% | 7.86% | 8.52% | +160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.01% | 53.32% | 52.28% | 51.83% | 56.28% | 61.08% | 61.88% | 60.97% | +915 bps | |
| Liquid Assets / Assets | 13.44% | 13.07% | 17.81% | 16.24% | 15.14% | 10.85% | 11.67% | 22.00% | +576 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |