Odin, MN · Cert 14574 · Odin Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.96% | 0.70% | 1.06% | 0.55% | 1.05% | -2.43% | 1.75% | +69 bps | |
| Return on Equity | 14.61% | 13.31% | 9.80% | 14.48% | 7.13% | 12.84% | -30.66% | 22.36% | +789 bps | |
| Net Interest Margin | 3.14% | 3.18% | 3.16% | 3.33% | 3.51% | 3.67% | 3.78% | 3.65% | +31 bps | |
| Efficiency Ratio | 63.81% | 67.16% | 64.33% | 62.06% | 63.19% | 60.63% | 51.88% | 53.33% | -873 bps | |
| Non-Interest Burden | 1.90% | 2.02% | 1.96% | 2.00% | 2.14% | 2.04% | 1.88% | 1.61% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.08% | 5.08% | 10.59% | 7.32% | 5.40% | 6.32% | -1.59% | 5.28% | -204 bps | |
| Loan Growth (YoY) | 9.76% | 6.43% | 8.75% | 4.05% | 0.36% | 0.37% | -2.66% | -3.31% | -736 bps | |
| Deposit Growth (YoY) | 16.46% | 13.10% | 17.00% | 11.16% | 6.91% | 7.19% | -2.02% | 4.57% | -659 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.86% | 1.55% | 1.20% | 1.45% | 1.50% | 1.38% | 1.15% | 2.17% | +71 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.74% | 0.21% | 0.28% | 0.08% | 0.00% | 5.46% | -0.11% | -39 bps | |
| Allowance / Loans | 1.30% | 1.03% | 1.05% | 1.02% | 1.01% | 0.97% | 1.00% | 1.06% | +4 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.9x | 0.7x | 0.7x | 0.7x | 0.9x | 0.5x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.37% | 8.42% | 8.46% | 8.32% | 8.49% | 8.53% | 7.89% | 8.50% | +19 bps | |
| Total Risk-Based Capital | 13.43% | 13.07% | 13.09% | 13.54% | 13.32% | 13.05% | 12.31% | 13.11% | -43 bps | |
| Equity / Assets | 7.24% | 7.19% | 7.12% | 7.52% | 7.91% | 8.39% | 7.44% | 8.18% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.50% | 92.56% | 87.19% | 87.17% | 84.01% | 86.67% | 86.63% | 80.60% | -657 bps | |
| Liquid Assets / Assets | 3.11% | 0.61% | 0.16% | 0.93% | 0.42% | 0.52% | 0.64% | 0.16% | -77 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 6.82% | 6.34% | 6.82% | n/a | n/a | |