Manhattan, MT · Cert 11823 · MSB Financial Inc.
State charter, non-member · FDIC · 4 branches
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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
44
Profitability
54
Liquidity
57
Efficiency
55
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.
Manhattan, MT · Cert 11823 · MSB Financial Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Bozeman, MT · 2026 SOD (annual) · 4.8% share · #7 of 16 inst. · $0.3B of $5.2B
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 | 0.83% | 0.91% | 1.03% | 1.05% | 1.06% | 1.10% | 1.03% | 1.11% | +6 bps | |
| Return on Equity | 12.09% | 13.28% | 14.51% | 14.42% | 14.09% | 14.20% | 12.23% | 13.19% | -122 bps | |
| Net Interest Margin | 3.16% | 3.19% | 3.40% | 3.50% | 3.52% | 3.50% | 3.52% | 3.54% | +4 bps | |
| Efficiency Ratio | 68.31% | 65.98% | 63.66% | 63.63% | 63.54% | 62.80% | 64.51% | 63.09% | -54 bps | |
| Non-Interest Burden | 2.07% | 2.01% | 2.07% | 2.12% | 2.13% | 2.09% | 2.18% | 2.13% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.99% | 3.10% | 8.52% | 2.15% | 3.97% | 4.46% | 1.54% | 8.66% | +651 bps | |
| Loan Growth (YoY) | 4.48% | -1.01% | -2.02% | -2.85% | -2.76% | 0.05% | 1.88% | 0.56% | +341 bps | |
| Deposit Growth (YoY) | -4.88% | 3.07% | 8.10% | 1.98% | 5.33% | 4.76% | 1.13% | 9.02% | +704 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% | 0.03% | 0.01% | 0.35% | +33 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.02% | 0.01% | 0.01% | 0.00% | 0.07% | +5 bps | |
| Allowance / Loans | 1.91% | 1.96% | 2.01% | 2.08% | 2.07% | 2.05% | 2.07% | 2.13% | +5 bps | |
| Allowance Coverage of NPLs | 75.3x | 93.7x | 81.1x | 111.9x | 125.9x | 61.5x | 139.5x | 6.0x | -105.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.72% | 9.80% | 9.55% | 9.89% | 10.03% | 10.05% | 10.04% | 9.90% | +1 bps | |
| Total Risk-Based Capital | 16.26% | 16.76% | 17.19% | 17.53% | 17.76% | 17.71% | 17.82% | 18.51% | +99 bps | |
| Equity / Assets | 7.67% | 6.96% | 7.24% | 7.65% | 8.29% | 8.43% | 8.36% | 8.37% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.13% | 73.26% | 67.85% | 69.77% | 70.28% | 69.97% | 68.35% | 64.35% | -542 bps | |
| Liquid Assets / Assets | 3.79% | 7.32% | 12.73% | 9.32% | 10.05% | 10.33% | 11.42% | 14.08% | +475 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 198.45% | 198.14% | 194.76% | n/a | n/a | |
Manhattan, MT · Cert 11823 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · MSB Financial Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.08%
Rank 362 of 746
Net Interest Margin
3.54%
Rank 429 of 746
Efficiency Ratio
63.09%
Rank 339 of 746
Equity / Assets
8.37%
Rank 615 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 0.72% | 1.06% | 1.45% | Beats 51% | 362 / 746 | ||
| Return on Equity | 12.91% | 6.74% | 10.51% | 13.63% | Beats 69% | 231 / 746 | ||
| Net Interest Margin | 3.54% | 3.17% | 3.68% | 4.16% | Beats 42% | 429 / 746 | ||
| Efficiency Ratio | 63.09% | 55.74% | 64.58% | 75.47% | Beats 55% | 339 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | 0.09% | 0.42% | 1.07% | Beats 56% | 328 / 743 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 31% | 516 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.25% | 11.55% | 13.75% | 17.60% | Beats 73% | 199 / 746 | ||
| Total Risk-Based Capital Ratio | 18.51% | 11.71% | 14.33% | 18.43% | Beats 76% | 182 / 746 | ||
| Equity / Assets | 8.37% | 8.90% | 10.51% | 13.06% | Beats 18% | 615 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.35% | 61.31% | 78.27% | 90.78% | 28th pctl | 534 / 746 | ||
| Loans / Assets | 56.66% | 53.60% | 66.97% | 76.08% | 30th pctl | 519 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||