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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.77% | 0.92% | 1.13% | 1.25% | 1.33% | 1.35% | 1.45% | +32 bps | |
| Return on Equity | 16.99% | 13.47% | 16.39% | 19.32% | 19.98% | 19.92% | 19.88% | 21.64% | +231 bps | |
| Net Interest Margin | 2.72% | 2.86% | 2.96% | 3.31% | 3.40% | 3.50% | 3.49% | 3.63% | +33 bps | |
| Efficiency Ratio | 63.52% | 66.04% | 61.03% | 57.25% | 55.85% | 53.82% | 52.83% | 49.43% | -782 bps | |
| Non-Interest Burden | 1.45% | 1.78% | 1.67% | 1.75% | 1.71% | 1.70% | 1.68% | 1.58% | -18 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% | 0.01% | 0.01% | 0.00% | 0.01% | 0.00% | -1 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 | |