Darwin, MN · Cert 1413 · Darwin Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · St. Cloud, MN · 2026 SOD (annual) · 0.6% share · #24 of 32 inst. · $0.0B of $7.9B
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 | 0.72% | 0.74% | 0.75% | 0.79% | 0.83% | 0.83% | 0.85% | 0.85% | +6 bps | |
| Return on Equity | 11.72% | 11.92% | 11.09% | 11.42% | 11.53% | 11.34% | 10.81% | 10.77% | -65 bps | |
| Net Interest Margin | 2.59% | 2.58% | 2.67% | 2.73% | 2.70% | 2.65% | 2.74% | 2.79% | +7 bps | |
| Efficiency Ratio | 64.62% | 64.73% | 62.63% | 61.78% | 61.14% | 61.30% | 60.22% | 59.65% | -213 bps | |
| Non-Interest Burden | 1.58% | 1.57% | 1.58% | 1.59% | 1.56% | 1.54% | 1.57% | 1.58% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.94% | -0.78% | 2.95% | 6.66% | 8.02% | 9.81% | 7.19% | 6.46% | -20 bps | |
| Loan Growth (YoY) | 7.00% | 10.51% | 11.18% | 11.43% | 8.86% | 9.28% | 4.68% | 6.86% | -457 bps | |
| Deposit Growth (YoY) | -8.53% | -1.58% | 1.68% | 4.91% | 7.23% | 8.06% | 6.17% | 5.74% | +83 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.77% | 0.38% | 0.57% | 0.36% | 0.89% | 0.66% | 0.90% | 1.36% | +100 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.09% | -0.03% | 0.00% | 0.00% | 0.06% | 0.01% | 0.02% | +2 bps | |
| Allowance / Loans | 1.32% | 1.26% | 1.31% | 1.23% | 1.32% | 1.33% | 1.41% | 1.45% | +23 bps | |
| Allowance Coverage of NPLs | 1.7x | 3.3x | 2.3x | 3.4x | 1.5x | 2.0x | 1.6x | 1.1x | -2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.74% | 9.72% | 9.89% | 9.83% | 9.58% | 9.36% | 9.41% | 9.48% | -35 bps | |
| Total Risk-Based Capital | 24.35% | 24.13% | 24.36% | 23.67% | 23.92% | 24.21% | 25.43% | 24.91% | +125 bps | |
| Equity / Assets | 7.28% | 6.49% | 6.95% | 7.35% | 7.81% | 7.97% | 7.81% | 8.03% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.41% | 43.12% | 43.92% | 44.80% | 45.08% | 43.60% | 43.30% | 45.28% | +47 bps | |
| Liquid Assets / Assets | 13.20% | 16.86% | 16.06% | 17.45% | 18.47% | 19.74% | 17.59% | 16.01% | -143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 69.94% | 70.50% | 67.49% | n/a | n/a | |