Brooten, MN · Cert 10993
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · St. Cloud, MN · 2026 SOD (annual) · 0.8% share · #23 of 32 inst. · $0.1B of $7.9B
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 | 0.31% | 0.40% | 0.77% | 0.58% | 0.72% | 0.77% | 0.87% | 0.94% | +36 bps | |
| Return on Equity | 3.58% | 4.52% | 8.54% | 6.40% | 7.88% | 8.57% | 9.72% | 10.39% | +400 bps | |
| Net Interest Margin | 2.83% | 2.85% | 3.01% | 2.91% | 3.07% | 2.99% | 3.25% | 3.39% | +47 bps | |
| Efficiency Ratio | 90.13% | 85.87% | 70.18% | 76.53% | 72.66% | 70.50% | 66.82% | 65.82% | -1,071 bps | |
| Non-Interest Burden | 2.54% | 2.42% | 2.01% | 2.17% | 2.14% | 2.02% | 2.11% | 2.17% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.57% | -6.15% | -0.89% | -2.40% | 0.43% | 13.79% | 0.43% | 5.56% | +796 bps | |
| Loan Growth (YoY) | -3.09% | -0.64% | 1.24% | 5.57% | 5.90% | 6.79% | 8.45% | 7.59% | +202 bps | |
| Deposit Growth (YoY) | -9.34% | -12.62% | -6.62% | -15.03% | -2.34% | 16.70% | 0.19% | 13.92% | +2,895 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.01% | 0.01% | 0.13% | 0.07% | 0.23% | 0.06% | +5 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.04% | -0.01% | -0.01% | -0.01% | -0.01% | 0.02% | 0.01% | +2 bps | |
| Allowance / Loans | 0.48% | 0.48% | 0.49% | 0.47% | 0.46% | 0.46% | 0.45% | 0.43% | -3 bps | |
| Allowance Coverage of NPLs | 136.5x | 39.1x | 46.0x | 46.2x | 3.5x | 6.5x | 2.0x | 6.7x | -39.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.71% | 9.82% | 10.16% | 9.85% | 10.10% | 9.86% | 9.78% | 9.73% | -12 bps | |
| Total Risk-Based Capital | 13.38% | 13.64% | 13.84% | 13.31% | 13.28% | 13.14% | 13.27% | 12.61% | -70 bps | |
| Equity / Assets | 8.98% | 9.23% | 8.89% | 9.06% | 9.21% | 8.63% | 9.25% | 9.30% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.74% | 101.37% | 95.33% | 113.44% | 105.99% | 92.76% | 103.18% | 107.14% | -630 bps | |
| Liquid Assets / Assets | 3.05% | 0.10% | 3.40% | 0.07% | 0.20% | 5.00% | 0.97% | 0.05% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 112.04% | 117.69% | 112.45% | n/a | n/a | |