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 | |