Park Rapids, MN · Cert 1415 · Dorset Bancshares Inc.
State savings bank · OCC · 4 branches
Q2 2026
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 | 0.51% | 0.52% | 0.59% | 0.58% | 0.71% | 0.81% | 0.88% | 0.87% | +29 bps | |
| Return on Equity | 6.58% | 6.64% | 7.36% | 7.12% | 8.55% | 9.50% | 9.54% | 9.42% | +230 bps | |
| Net Interest Margin | 3.02% | 3.12% | 3.40% | 3.31% | 3.35% | 3.48% | 3.66% | 3.80% | +50 bps | |
| Efficiency Ratio | 81.46% | 81.34% | 79.64% | 80.27% | 76.94% | 76.15% | 72.48% | 73.69% | -658 bps | |
| Non-Interest Burden | 2.38% | 2.46% | 2.63% | 2.58% | 2.48% | 2.55% | 2.56% | 2.70% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.94% | 1.01% | -1.04% | 0.35% | 0.83% | 2.16% | 4.39% | 2.58% | +222 bps | |
| Loan Growth (YoY) | 2.90% | 3.15% | -1.39% | -5.10% | 0.39% | 1.30% | 1.62% | 3.44% | +854 bps | |
| Deposit Growth (YoY) | -2.80% | 0.46% | -1.66% | -0.75% | 0.73% | 0.85% | 3.44% | 3.09% | +383 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.21% | 0.00% | 0.90% | 0.40% | 0.00% | 0.00% | 0.03% | -87 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | -0.02% | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 1.41% | 1.43% | 1.45% | 1.47% | 1.43% | 1.30% | 1.31% | 1.30% | -17 bps | |
| Allowance Coverage of NPLs | 4.2x | 6.7x | n/a | 1.6x | 3.5x | 1009.0x | n/a | 44.0x | +42.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.68% | 11.17% | 11.44% | 11.07% | 10.69% | 10.93% | 11.00% | 11.22% | +15 bps | |
| Total Risk-Based Capital | 10.68% | 11.17% | 11.44% | 11.07% | 10.69% | 10.93% | 11.00% | 11.22% | +15 bps | |
| Equity / Assets | 8.39% | 7.70% | 8.46% | 8.20% | 8.96% | 9.09% | 9.32% | 9.22% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.90% | 61.19% | 63.05% | 61.87% | 61.69% | 61.46% | 61.94% | 62.08% | +21 bps | |
| Liquid Assets / Assets | 0.86% | 0.68% | 0.68% | 0.69% | 0.68% | 0.76% | 0.66% | 2.83% | +214 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 265% | 258% | 256% | n/a | n/a | |