Emery, SD · Cert 15749 · Emery Security Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #40 of 42 inst. · $0.0B of $1127.8B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.29% | 2.10% | 2.22% | 2.03% | 1.99% | -30 bps | |
| Return on Equity | 12.73% | 11.54% | 12.06% | 10.55% | 10.41% | -232 bps | |
| Net Interest Margin | 4.49% | 4.51% | 4.42% | 4.28% | 4.16% | -33 bps | |
| Efficiency Ratio | 31.74% | 32.70% | 36.09% | 36.47% | 36.30% | +456 bps | |
| Non-Interest Burden | 1.41% | 1.42% | 1.55% | 1.55% | 1.50% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.14% | 2.17% | 5.49% | 5.36% | 5.38% | +324 bps | |
| Loan Growth (YoY) | 7.85% | 8.99% | 13.99% | 9.24% | -7.91% | -1,576 bps | |
| Deposit Growth (YoY) | 0.17% | 0.35% | 3.69% | 3.71% | 4.20% | +402 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.94% | 0.94% | 0.87% | 0.92% | 1.02% | +8 bps | |
| Allowance Coverage of NPLs | 43.3x | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.47% | 18.82% | 18.97% | 19.55% | 19.51% | +104 bps | |
| Total Risk-Based Capital | 38.82% | 39.84% | 39.61% | 41.66% | 43.97% | +516 bps | |
| Equity / Assets | 17.93% | 18.90% | 19.13% | 19.37% | 18.93% | +99 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 36.71% | 38.54% | 40.70% | 38.07% | 32.44% | -427 bps | |
| Liquid Assets / Assets | 46.14% | 46.45% | 44.61% | 45.69% | 50.53% | +439 bps | |
| CRE / Total Capital | n/a | 2.23% | 2.12% | 2.03% | n/a | n/a | |