Shelby, MT · Cert 11013 · Prairie Bancshares Corp.
State charter, non-member · FDIC · 1 branch
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 | 0.73% | 0.94% | 0.58% | 1.26% | 1.30% | +56 bps | |
| Return on Equity | 4.75% | 5.99% | 3.68% | 8.14% | 8.55% | +381 bps | |
| Net Interest Margin | 2.06% | 2.16% | 2.25% | 2.21% | 2.38% | +32 bps | |
| Efficiency Ratio | 66.89% | 60.43% | 75.87% | 56.50% | 55.72% | -1,117 bps | |
| Non-Interest Burden | 1.30% | 1.18% | 1.65% | 1.15% | 1.23% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.46% | 5.50% | 3.27% | 5.84% | 10.39% | +893 bps | |
| Loan Growth (YoY) | -6.37% | -7.10% | -2.09% | 2.25% | 0.20% | +657 bps | |
| Deposit Growth (YoY) | 8.13% | 11.59% | 1.98% | 5.89% | 10.95% | +282 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.24% | 0.02% | 0.00% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | -0.16% | 0.00% | -1.09% | -111 bps | |
| Allowance / Loans | 0.32% | 0.31% | 0.16% | 0.09% | 0.13% | -19 bps | |
| Allowance Coverage of NPLs | 39.5x | 1.3x | 7.8x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 20.87% | 20.84% | 19.31% | 19.69% | 19.38% | -149 bps | |
| Total Risk-Based Capital | 20.87% | 20.84% | 19.31% | 19.69% | 19.38% | -149 bps | |
| Equity / Assets | 15.48% | 15.98% | 15.68% | 15.28% | 15.01% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 18.32% | 18.55% | 18.06% | 15.90% | 16.54% | -178 bps | |
| Liquid Assets / Assets | 40.11% | 37.27% | 38.41% | 39.11% | 38.78% | -133 bps | |
| CRE / Total Capital | n/a | 9.33% | 9.38% | 9.26% | n/a | n/a | |