Thief River Falls, MN · Cert 15286 · Gato Holdings Inc.
State charter, non-member · FDIC · 3 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.19% | 0.89% | 0.78% | 0.89% | 0.87% | 0.95% | 0.90% | +12 bps | |
| Return on Equity | 11.60% | 11.45% | 8.73% | 7.46% | 8.26% | 8.37% | 9.62% | 9.62% | +216 bps | |
| Net Interest Margin | 2.93% | 2.92% | 2.68% | 2.68% | 2.63% | 2.55% | 2.53% | 2.65% | -3 bps | |
| Efficiency Ratio | 51.42% | 50.17% | 56.68% | 54.65% | 56.30% | 57.01% | 52.24% | 55.11% | +46 bps | |
| Non-Interest Burden | 1.37% | 1.37% | 1.45% | 1.39% | 1.39% | 1.39% | 1.26% | 1.41% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.91% | 0.25% | -3.79% | 4.16% | 1.48% | 5.02% | 7.90% | 19.19% | +1,502 bps | |
| Loan Growth (YoY) | 7.50% | 1.95% | 1.47% | 4.40% | 0.55% | 2.07% | -1.93% | -1.49% | -589 bps | |
| Deposit Growth (YoY) | -4.11% | -0.45% | -4.83% | 4.08% | 1.31% | 5.05% | 8.56% | 21.38% | +1,730 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.29% | 0.56% | 0.17% | 0.28% | 0.60% | 0.35% | 0.65% | 0.57% | +30 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.16% | 0.05% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.30% | 1.35% | 1.39% | 1.40% | 1.41% | 1.28% | 1.37% | 1.37% | -2 bps | |
| Allowance Coverage of NPLs | 1.0x | 2.4x | 8.2x | 5.0x | 2.4x | 3.6x | 2.1x | 2.4x | -2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.69% | 9.98% | 10.54% | 10.79% | 11.11% | 9.91% | 9.89% | 9.92% | -88 bps | |
| Total Risk-Based Capital | 26.69% | 26.09% | 26.57% | 26.43% | 27.25% | 24.61% | 25.90% | 26.21% | -21 bps | |
| Equity / Assets | 11.00% | 9.80% | 10.52% | 10.50% | 11.17% | 9.72% | 9.97% | 8.91% | -159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.33% | 46.02% | 48.84% | 48.35% | 49.95% | 44.72% | 44.12% | 39.24% | -911 bps | |
| Liquid Assets / Assets | 30.67% | 36.45% | 19.42% | 29.81% | 18.79% | 26.89% | 31.00% | 36.99% | +718 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 102.11% | 112.36% | 104.36% | n/a | n/a | |