Welcome, MN · Cert 11417 · Welcome Bancshares Inc.
State charter, Fed member · FED · 1 branch
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 in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
100
Profitability
91
Liquidity
88
Efficiency
96
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.
Welcome, MN · Cert 11417 · Welcome Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
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 | 2.21% | 1.82% | 2.08% | 2.25% | 2.18% | 1.99% | 2.65% | 2.63% | +38 bps | |
| Return on Equity | 19.56% | 16.03% | 18.12% | 19.36% | 18.58% | 16.73% | 21.18% | 20.76% | +140 bps | |
| Net Interest Margin | 4.49% | 4.35% | 4.41% | 4.55% | 4.51% | 4.40% | 4.41% | 4.38% | -17 bps | |
| Efficiency Ratio | 45.43% | 53.95% | 47.20% | 44.33% | 45.81% | 51.29% | 41.19% | 40.45% | -388 bps | |
| Non-Interest Burden | 1.67% | 2.06% | 1.73% | 1.66% | 1.73% | 1.98% | 1.00% | 1.07% | -60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.28% | -0.11% | 5.82% | 8.42% | 8.46% | 4.14% | 2.46% | 3.39% | -503 bps | |
| Loan Growth (YoY) | 7.10% | 15.28% | 10.49% | 10.59% | 12.95% | 3.89% | 3.50% | 1.47% | -911 bps | |
| Deposit Growth (YoY) | -5.59% | -1.11% | 5.86% | 7.53% | 8.54% | 1.89% | 0.91% | 4.35% | -318 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.01% | 0.03% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.08% | -0.01% | 0.15% | 0.11% | 0.01% | -0.03% | -0.05% | -20 bps | |
| Allowance / Loans | 1.68% | 1.68% | 1.64% | 1.49% | 1.48% | 1.60% | 1.57% | 1.55% | +6 bps | |
| Allowance Coverage of NPLs | 3.4x | 235.5x | 47.2x | 44.8x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.05% | 11.64% | 11.78% | 12.03% | 12.31% | 12.15% | 12.79% | 12.81% | +78 bps | |
| Total Risk-Based Capital | 20.95% | 20.01% | 19.53% | 19.27% | 19.72% | 12.15% | 12.79% | 12.81% | -646 bps | |
| Equity / Assets | 12.15% | 11.48% | 11.42% | 11.96% | 12.16% | 12.41% | 12.62% | 12.95% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.59% | 74.92% | 75.44% | 82.47% | 78.66% | 76.39% | 77.38% | 80.20% | -228 bps | |
| Liquid Assets / Assets | 15.69% | 15.69% | 15.10% | 11.86% | 12.70% | 19.47% | 17.10% | 17.88% | +602 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 89.09% | 85.78% | 81.65% | n/a | n/a | |
Welcome, MN · Cert 11417 · Peer group: banks under $1B in assets in MN (n=111-113) · Welcome Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets
2.63%
Rank 3 of 113
Net Interest Margin
4.38%
Rank 23 of 113
Efficiency Ratio
40.45%
Rank 5 of 113
Equity / Assets
12.95%
Rank 22 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.63% | 0.87% | 1.20% | 1.41% | Beats 97% | 3 / 113 | ||
| Return on Equity | 20.32% | 8.92% | 11.27% | 13.99% | Beats 96% | 4 / 113 | ||
| Net Interest Margin | 4.38% | 3.42% | 3.88% | 4.31% | Beats 80% | 23 / 113 | ||
| Efficiency Ratio | 40.45% | 54.13% | 61.48% | 69.86% | Beats 96% | 5 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.58% | 1.82% | Beats 100% | 12 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.81% | 11.53% | 13.31% | 18.13% | Beats 43% | 64 / 113 | ||
| Total Risk-Based Capital Ratio | 12.81% | 12.12% | 14.43% | 19.39% | Beats 32% | 77 / 113 | ||
| Equity / Assets | 12.95% | 8.52% | 10.10% | 11.94% | Beats 81% | 22 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.20% | 62.08% | 77.32% | 88.06% | 56th pctl | 49 / 111 | ||
| Loans / Assets | 68.92% | 55.01% | 66.35% | 75.50% | 55th pctl | 51 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||