Clara City, MN · Cert 1402 · Forstrom Bcorp Inc.
State charter, non-member · FDIC · 17 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #87 of 125 inst. · $0.1B of $253.2B
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 | 0.92% | 0.83% | 1.36% | 1.07% | 1.02% | 0.96% | -0.82% | 0.20% | -88 bps | |
| Return on Equity | 11.99% | 10.74% | 16.49% | 12.66% | 11.60% | 10.61% | -8.32% | 2.00% | -1,066 bps | |
| Net Interest Margin | 3.39% | 3.48% | 3.67% | 3.63% | 3.60% | 3.52% | 3.37% | 3.44% | -19 bps | |
| Efficiency Ratio | 64.07% | 66.28% | 50.69% | 58.29% | 61.14% | 63.86% | 66.33% | 65.55% | +726 bps | |
| Non-Interest Burden | 2.14% | 2.28% | 1.59% | 2.00% | 2.11% | 2.18% | 2.14% | 2.17% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.96% | -5.03% | 2.82% | -4.56% | -3.18% | -3.64% | -8.43% | -3.29% | +127 bps | |
| Loan Growth (YoY) | 3.67% | -1.43% | 3.56% | 3.38% | 3.73% | 4.16% | 1.88% | 4.04% | +66 bps | |
| Deposit Growth (YoY) | 4.28% | -5.58% | 6.03% | -2.41% | -8.40% | -4.79% | -10.18% | -5.71% | -330 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.51% | 0.51% | 0.11% | 0.52% | 0.97% | 0.11% | 0.62% | 1.48% | +96 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.05% | 0.06% | 0.03% | 0.02% | 0.01% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.03% | 1.08% | 1.14% | 1.11% | 1.11% | 1.09% | 1.15% | 1.12% | +1 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.1x | 9.9x | 2.1x | 1.1x | 10.2x | 1.9x | 0.8x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.30% | 8.66% | 8.41% | 9.08% | 9.75% | 9.92% | 9.63% | 9.81% | +74 bps | |
| Total Risk-Based Capital | 13.03% | 13.19% | 13.60% | 13.70% | 13.86% | 14.05% | 13.95% | 13.60% | -10 bps | |
| Equity / Assets | 8.46% | 8.14% | 8.32% | 9.02% | 9.74% | 9.91% | 9.81% | 9.89% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.94% | 70.93% | 68.87% | 75.14% | 81.47% | 77.59% | 78.12% | 82.91% | +777 bps | |
| Liquid Assets / Assets | 8.71% | 10.51% | 13.02% | 6.69% | 4.73% | 5.70% | 5.84% | 3.09% | -360 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 288% | 287% | 299% | n/a | n/a | |