Plainview, MN · Cert 1100 · WRZ Bankshares Inc.
State charter, Fed member · FED · 5 branches
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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
50
Profitability
71
Liquidity
85
Efficiency
86
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.
Plainview, MN · Cert 1100 · WRZ Bankshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 3.2% share · #9 of 34 inst. · $0.2B 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 | 0.73% | 0.75% | 0.92% | 1.02% | 1.10% | 1.16% | 1.35% | 1.39% | +37 bps | |
| Return on Equity | 13.31% | 13.57% | 16.39% | 17.92% | 18.49% | 18.97% | 19.88% | 20.67% | +275 bps | |
| Net Interest Margin | 2.58% | 2.61% | 2.96% | 3.13% | 3.17% | 3.22% | 3.49% | 3.51% | +38 bps | |
| Efficiency Ratio | 68.17% | 67.60% | 61.03% | 59.05% | 57.90% | 56.80% | 52.83% | 51.06% | -799 bps | |
| Non-Interest Burden | 1.63% | 1.64% | 1.67% | 1.71% | 1.69% | 1.67% | 1.68% | 1.60% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.19% | 7.45% | 8.81% | 5.89% | 3.29% | 5.42% | 4.58% | 10.16% | +426 bps | |
| Loan Growth (YoY) | 10.24% | 10.07% | 8.38% | 6.47% | 5.94% | 5.68% | 10.82% | 12.32% | +585 bps | |
| Deposit Growth (YoY) | 9.28% | 9.88% | 11.50% | 7.41% | 4.26% | 6.56% | 5.73% | 12.02% | +461 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.14% | 0.18% | 0.17% | 0.18% | 0.16% | 1.02% | 0.95% | +78 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.04% | 1.07% | 1.11% | 1.12% | 1.13% | 1.16% | 1.13% | 1.17% | +5 bps | |
| Allowance Coverage of NPLs | 4.9x | 7.5x | 6.2x | 6.6x | 6.1x | 7.1x | 1.1x | 1.2x | -5.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.43% | 8.44% | 8.44% | 8.66% | 8.74% | 8.85% | 8.82% | 8.87% | +21 bps | |
| Total Risk-Based Capital | 13.84% | 14.02% | 14.13% | 14.21% | 14.41% | 14.61% | 14.13% | 14.18% | -4 bps | |
| Equity / Assets | 6.01% | 5.45% | 5.77% | 5.94% | 6.57% | 6.78% | 6.76% | 6.65% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.22% | 74.30% | 74.00% | 75.72% | 75.41% | 73.68% | 77.56% | 75.93% | +20 bps | |
| Liquid Assets / Assets | 4.94% | 5.46% | 5.20% | 3.47% | 5.04% | 5.10% | 2.48% | 3.79% | +32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 189.23% | 188.43% | 212% | n/a | n/a | |
Plainview, MN · Cert 1100 · Peer group: banks under $1B in assets (n=581-629) · WRZ Bankshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets
1.35%
Rank 185 of 629
Net Interest Margin
3.51%
Rank 325 of 629
Efficiency Ratio
52.54%
Rank 91 of 629
Equity / Assets
6.65%
Rank 605 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.35% | 0.60% | 1.01% | 1.45% | Beats 71% | 185 / 629 | ||
| Return on Equity | 20.24% | 5.38% | 9.30% | 13.28% | Beats 93% | 42 / 629 | ||
| Net Interest Margin | 3.51% | 3.03% | 3.54% | 4.05% | Beats 48% | 325 / 629 | ||
| Efficiency Ratio | 52.54% | 58.35% | 67.79% | 79.08% | Beats 86% | 91 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.09% | 0.46% | 1.20% | Beats 31% | 400 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 68% | 190 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.96% | 11.24% | 13.84% | 18.77% | Beats 43% | 357 / 629 | ||
| Total Risk-Based Capital Ratio | 14.18% | 11.58% | 14.43% | 19.66% | Beats 48% | 329 / 629 | ||
| Equity / Assets | 6.65% | 9.09% | 10.65% | 13.80% | Beats 4% | 605 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.93% | 67.24% | 80.90% | 93.48% | 41st pctl | 348 / 594 | ||
| Loans / Assets | 69.58% | 53.31% | 67.71% | 78.15% | 55th pctl | 283 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||