Park Rapids, MN · Cert 1415 · Dorset Bancshares Inc.
State savings bank · OCC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.98% | 1.07% | 0.88% | 0.86% | +29 bps | |
| Return on Equity | 6.81% | 11.46% | 11.87% | 9.54% | 9.28% | +246 bps | |
| Net Interest Margin | 3.30% | 3.74% | 3.70% | 3.66% | 3.90% | +60 bps | |
| Efficiency Ratio | 80.90% | 71.34% | 73.95% | 72.48% | 74.84% | -606 bps | |
| Non-Interest Burden | 2.59% | 2.54% | 2.62% | 2.56% | 2.81% | +22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.35% | 0.83% | 2.16% | 4.39% | 2.58% | +222 bps | |
| Loan Growth (YoY) | -5.10% | 0.39% | 1.30% | 1.62% | 3.44% | +854 bps | |
| Deposit Growth (YoY) | -0.75% | 0.73% | 0.85% | 3.44% | 3.09% | +383 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.90% | 0.40% | 0.00% | 0.00% | 0.03% | -87 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.00% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 1.47% | 1.43% | 1.30% | 1.31% | 1.30% | -17 bps | |
| Allowance Coverage of NPLs | 1.6x | 3.5x | 1009.0x | n/a | 44.0x | +42.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.07% | 10.69% | 10.93% | 11.00% | 11.22% | +15 bps | |
| Total Risk-Based Capital | 11.07% | 10.69% | 10.93% | 11.00% | 11.22% | +15 bps | |
| Equity / Assets | 8.20% | 8.96% | 9.09% | 9.32% | 9.22% | +103 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.87% | 61.69% | 61.46% | 61.94% | 62.08% | +21 bps | |
| Liquid Assets / Assets | 0.69% | 0.68% | 0.76% | 0.66% | 2.83% | +214 bps | |
| CRE / Total Capital | n/a | 265% | 258% | 256% | n/a | n/a | |