Arlington, SD · Cert 1118
State charter, Fed member · FED · 3 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 | 0.67% | 0.72% | 0.68% | 0.80% | 1.03% | +36 bps | |
| Return on Equity | 6.28% | 6.39% | 5.94% | 7.28% | 9.37% | +309 bps | |
| Net Interest Margin | 2.49% | 2.59% | 2.63% | 2.65% | 2.91% | +41 bps | |
| Efficiency Ratio | 67.42% | 64.76% | 68.42% | 63.20% | 57.63% | -979 bps | |
| Non-Interest Burden | 1.66% | 1.65% | 1.78% | 1.65% | 1.65% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.05% | -0.19% | 9.80% | 9.26% | 5.54% | +348 bps | |
| Loan Growth (YoY) | 3.66% | 2.17% | 0.14% | -0.92% | -5.69% | -935 bps | |
| Deposit Growth (YoY) | 5.24% | 4.70% | 8.82% | 8.96% | 5.22% | -3 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.54% | 1.53% | 1.54% | 1.60% | 1.63% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.95% | 12.13% | 12.24% | 11.63% | 11.74% | -21 bps | |
| Total Risk-Based Capital | 11.95% | 12.13% | 12.24% | 11.63% | 11.74% | -21 bps | |
| Equity / Assets | 10.85% | 11.67% | 11.26% | 10.78% | 11.14% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.41% | 64.00% | 59.35% | 55.42% | 55.05% | -636 bps | |
| Liquid Assets / Assets | 10.64% | 7.38% | 12.78% | 10.80% | 8.74% | -190 bps | |
| CRE / Total Capital | n/a | 46.11% | 41.35% | 38.98% | n/a | n/a | |