Bigfork, MN · Cert 10991 · Bigfork Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.33% | 0.86% | 1.22% | 0.96% | +9 bps | |
| Return on Equity | 7.80% | 2.91% | 7.65% | 10.99% | 8.69% | +89 bps | |
| Net Interest Margin | 3.70% | 2.98% | 4.14% | 4.12% | 3.83% | +13 bps | |
| Efficiency Ratio | 65.80% | 78.42% | 68.45% | 63.91% | 67.31% | +151 bps | |
| Non-Interest Burden | 2.37% | 2.19% | 2.75% | 2.52% | 2.51% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.59% | 4.91% | 4.86% | 5.91% | 6.75% | +115 bps | |
| Loan Growth (YoY) | -0.77% | -2.65% | -3.42% | -3.16% | -2.27% | -150 bps | |
| Deposit Growth (YoY) | 6.28% | 5.64% | 5.49% | 6.74% | 7.51% | +123 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.83% | 6.99% | 6.67% | 7.14% | 6.39% | +56 bps | |
| Net Charge-Offs / Loans | 0.65% | 0.06% | 0.23% | -0.32% | 0.15% | -50 bps | |
| Allowance / Loans | 1.17% | 1.23% | 1.25% | 1.41% | 1.40% | +23 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.41% | 11.39% | 11.41% | 11.21% | 11.33% | -8 bps | |
| Total Risk-Based Capital | 18.71% | 18.85% | 19.69% | 20.24% | 20.47% | +176 bps | |
| Equity / Assets | 11.32% | 11.32% | 11.31% | 10.93% | 11.27% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.91% | 86.82% | 83.91% | 78.62% | 79.92% | -799 bps | |
| Liquid Assets / Assets | 10.73% | 12.96% | 15.72% | 16.26% | 13.91% | +318 bps | |
| CRE / Total Capital | n/a | 110.12% | 104.13% | 99.55% | n/a | n/a | |