Welcome, MN · Cert 11417 · Welcome Bancshares Inc.
State charter, Fed member · FED · 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.28% | 0.44% | 2.08% | 2.42% | 2.07% | 1.39% | 2.65% | 2.60% | +19 bps | |
| Return on Equity | 19.15% | 3.76% | 18.12% | 20.66% | 17.14% | 11.32% | 21.18% | 20.37% | -28 bps | |
| Net Interest Margin | 4.51% | 4.52% | 4.41% | 4.72% | 4.57% | 4.64% | 4.41% | 4.44% | -28 bps | |
| Efficiency Ratio | 45.16% | 78.74% | 47.20% | 41.62% | 48.74% | 66.84% | 41.19% | 39.67% | -195 bps | |
| Non-Interest Burden | 1.66% | 3.44% | 1.73% | 1.61% | 1.93% | 2.91% | 1.00% | 1.15% | -46 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 | -0.07% | -0.31% | -0.01% | 0.32% | 0.03% | -0.29% | -0.03% | -0.07% | -38 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 | |