Garrison, ND · Cert 15306 · McLean Bank Holding Co.
State charter, non-member · FDIC · 4 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.45% | 1.44% | 1.31% | 1.29% | 1.54% | +10 bps | |
| Return on Equity | 15.97% | 15.46% | 13.64% | 13.11% | 15.76% | -21 bps | |
| Net Interest Margin | 4.00% | 4.01% | 3.97% | 4.03% | 4.16% | +16 bps | |
| Efficiency Ratio | 56.90% | 57.40% | 60.86% | 63.83% | 56.24% | -65 bps | |
| Non-Interest Burden | 2.14% | 2.16% | 2.30% | 2.45% | 2.19% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.07% | 2.21% | 6.84% | 0.64% | 3.80% | -26 bps | |
| Loan Growth (YoY) | 5.63% | 5.63% | 5.32% | 1.91% | 0.48% | -515 bps | |
| Deposit Growth (YoY) | 0.13% | 0.55% | 3.45% | -0.37% | 3.14% | +301 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.40% | 0.65% | 0.81% | 1.20% | 2.18% | +78 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.42% | 1.39% | 1.45% | 1.52% | 1.40% | -1 bps | |
| Allowance Coverage of NPLs | 1.0x | 2.1x | 1.8x | 1.3x | 0.6x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.86% | 10.68% | 10.77% | 10.92% | 11.06% | +19 bps | |
| Total Risk-Based Capital | 10.86% | 10.68% | 10.77% | 10.92% | 11.06% | +19 bps | |
| Equity / Assets | 9.13% | 9.51% | 9.77% | 9.92% | 9.65% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.70% | 83.39% | 77.91% | 71.36% | 78.62% | -208 bps | |
| Liquid Assets / Assets | 1.47% | 1.39% | 1.34% | 1.46% | 1.02% | -45 bps | |
| CRE / Total Capital | n/a | 62.71% | 60.30% | 58.84% | n/a | n/a | |