Superior, WI · Cert 14266 · Natcom Bancshares, Inc.
National charter · OCC · 21 branches
Q2 2026
Market Position · Duluth, MN-WI · 2026 SOD (annual) · 20.0% share · #1 of 26 inst. · $1.3B of $6.6B
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 | 1.54% | 1.61% | 1.64% | 1.47% | 1.86% | +31 bps | |
| Return on Equity | 16.75% | 17.40% | 17.35% | 15.20% | 19.06% | +231 bps | |
| Net Interest Margin | 4.00% | 4.05% | 4.14% | 4.09% | 4.28% | +28 bps | |
| Efficiency Ratio | 49.92% | 50.69% | 50.89% | 52.03% | 48.12% | -179 bps | |
| Non-Interest Burden | 1.78% | 1.87% | 1.93% | 2.00% | 1.86% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 52.14% | 50.60% | 4.27% | 4.96% | 4.02% | -4,812 bps | |
| Loan Growth (YoY) | 57.39% | 51.85% | 2.48% | 2.04% | 1.45% | -5,594 bps | |
| Deposit Growth (YoY) | 53.51% | 51.08% | 0.89% | 1.98% | 2.81% | -5,070 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.63% | 0.84% | 0.47% | 0.58% | 0.64% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.13% | 0.18% | 0.04% | 0.07% | +6 bps | |
| Allowance / Loans | 0.97% | 0.99% | 0.96% | 1.00% | 0.98% | +1 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.2x | 2.1x | 1.7x | 1.5x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.79% | 8.61% | 8.83% | 9.05% | 9.33% | +54 bps | |
| Total Risk-Based Capital | 11.02% | 11.49% | 11.59% | 11.72% | 12.03% | +101 bps | |
| Equity / Assets | 9.27% | 9.28% | 9.68% | 9.64% | 9.85% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.12% | 88.81% | 90.22% | 91.57% | 92.87% | -125 bps | |
| Liquid Assets / Assets | 2.66% | 5.98% | 3.63% | 2.13% | 0.93% | -172 bps | |
| CRE / Total Capital | n/a | 443% | 433% | 442% | n/a | n/a | |