Munich, ND · Cert 15598 · Munich Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Bismarck, ND · 2026 SOD (annual) · 0.5% share · #16 of 18 inst. · $0.0B of $6.9B
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 | 0.85% | 0.70% | 0.86% | 1.04% | 1.02% | 1.29% | 0.92% | 1.03% | -1 bps | |
| Return on Equity | 7.68% | 6.42% | 8.38% | 10.13% | 9.52% | 11.86% | 8.68% | 9.88% | -25 bps | |
| Net Interest Margin | 3.20% | 3.27% | 3.14% | 3.39% | 3.55% | 3.66% | 3.52% | 3.64% | +25 bps | |
| Efficiency Ratio | 71.87% | 65.59% | 66.86% | 62.65% | 63.10% | 56.05% | 65.97% | 64.03% | +138 bps | |
| Non-Interest Burden | 2.24% | 2.08% | 2.04% | 2.06% | 2.17% | 1.96% | 2.26% | 2.26% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.89% | 3.47% | 11.50% | 8.62% | 4.37% | 5.03% | -1.75% | 1.72% | -690 bps | |
| Loan Growth (YoY) | 9.51% | 4.71% | 6.45% | 12.16% | 5.73% | 7.80% | -0.25% | 1.98% | -1,018 bps | |
| Deposit Growth (YoY) | -0.86% | 3.11% | 10.71% | 11.12% | 6.40% | 3.41% | -0.61% | 1.78% | -934 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.19% | 0.42% | 0.00% | 1.17% | 0.63% | 2.04% | 1.34% | +134 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.08% | 1.06% | 1.15% | 1.09% | 1.09% | 1.05% | 1.23% | 1.14% | +4 bps | |
| Allowance Coverage of NPLs | 4.2x | 5.5x | 2.7x | n/a | 0.9x | 1.7x | 0.6x | 0.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.75% | 11.34% | 10.42% | 10.69% | 11.16% | 11.33% | 10.40% | 10.78% | +9 bps | |
| Total Risk-Based Capital | 11.75% | 11.34% | 10.42% | 10.69% | 11.16% | 11.33% | 10.40% | 10.78% | +9 bps | |
| Equity / Assets | 11.04% | 10.71% | 9.84% | 10.60% | 10.91% | 10.88% | 10.25% | 10.55% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.03% | 86.10% | 76.03% | 84.28% | 85.49% | 89.76% | 76.30% | 84.44% | +17 bps | |
| Liquid Assets / Assets | 2.74% | 3.39% | 13.28% | 4.81% | 2.93% | 1.65% | 10.67% | 3.26% | -155 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 51.28% | 55.04% | 58.97% | n/a | n/a | |