Garrison, ND · Cert 15306 · McLean Bank Holding Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
35
Profitability
73
Liquidity
98
Efficiency
62
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Garrison, ND · Cert 15306 · McLean Bank Holding Co.
State charter, non-member · FDIC · 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 | 1.21% | 1.14% | 1.25% | 1.35% | 1.38% | 1.37% | 1.29% | 1.41% | +6 bps | |
| Return on Equity | 13.65% | 12.80% | 13.95% | 14.97% | 15.11% | 14.74% | 13.11% | 14.40% | -57 bps | |
| Net Interest Margin | 3.47% | 3.51% | 3.77% | 3.85% | 3.82% | 3.87% | 4.03% | 4.10% | +24 bps | |
| Efficiency Ratio | 59.69% | 61.90% | 61.12% | 58.93% | 58.39% | 59.02% | 63.83% | 59.97% | +104 bps | |
| Non-Interest Burden | 1.95% | 2.05% | 2.19% | 2.15% | 2.11% | 2.16% | 2.45% | 2.32% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.59% | -3.06% | 2.14% | 4.07% | 2.21% | 6.84% | 0.64% | 3.80% | -26 bps | |
| Loan Growth (YoY) | 5.06% | 1.94% | 1.15% | 5.63% | 5.63% | 5.32% | 1.91% | 0.48% | -515 bps | |
| Deposit Growth (YoY) | -1.00% | -4.76% | 1.83% | 0.13% | 0.55% | 3.45% | -0.37% | 3.14% | +301 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.11% | 0.42% | 1.40% | 0.65% | 0.81% | 1.20% | 2.18% | +78 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 1.50% | 1.54% | 1.56% | 1.42% | 1.39% | 1.45% | 1.52% | 1.40% | -1 bps | |
| Allowance Coverage of NPLs | 21.0x | 14.3x | 3.8x | 1.0x | 2.1x | 1.8x | 1.3x | 0.6x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.79% | 10.82% | 10.95% | 10.86% | 10.68% | 10.77% | 10.92% | 11.06% | +19 bps | |
| Total Risk-Based Capital | 10.79% | 10.82% | 10.95% | 10.86% | 10.68% | 10.77% | 10.92% | 11.06% | +19 bps | |
| Equity / Assets | 9.22% | 8.98% | 8.98% | 9.13% | 9.51% | 9.77% | 9.92% | 9.65% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.38% | 76.52% | 69.76% | 80.70% | 83.39% | 77.91% | 71.36% | 78.62% | -208 bps | |
| Liquid Assets / Assets | 1.73% | 1.81% | 1.63% | 1.47% | 1.39% | 1.34% | 1.46% | 1.02% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 62.71% | 60.30% | 58.84% | n/a | n/a | |
Garrison, ND · Cert 15306 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · McLean Bank Holding Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.37%
Rank 221 of 746
Net Interest Margin
4.10%
Rank 208 of 746
Efficiency Ratio
59.97%
Rank 282 of 746
Equity / Assets
9.65%
Rank 472 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.37% | 0.72% | 1.06% | 1.45% | Beats 70% | 221 / 746 | ||
| Return on Equity | 14.22% | 6.74% | 10.51% | 13.63% | Beats 78% | 161 / 746 | ||
| Net Interest Margin | 4.10% | 3.17% | 3.68% | 4.16% | Beats 72% | 208 / 746 | ||
| Efficiency Ratio | 59.97% | 55.74% | 64.58% | 75.47% | Beats 62% | 282 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.18% | 0.09% | 0.42% | 1.07% | Beats 10% | 667 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 60% | 300 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.06% | 11.55% | 13.75% | 17.60% | Beats 20% | 599 / 746 | ||
| Total Risk-Based Capital Ratio | 11.06% | 11.71% | 14.33% | 18.43% | Beats 18% | 610 / 746 | ||
| Equity / Assets | 9.65% | 8.90% | 10.51% | 13.06% | Beats 37% | 472 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.62% | 61.31% | 78.27% | 90.78% | 51st pctl | 368 / 746 | ||
| Loans / Assets | 65.62% | 53.60% | 66.97% | 76.08% | 46th pctl | 402 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||