Hendricks, MN · Cert 15767
FDIC · 1 branch
Q2 2025
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 1.36% | 1.33% | 2.41% | 1.92% | +58 bps | |
| Return on Equity | 13.70% | 13.20% | 12.61% | 21.18% | 17.03% | +333 bps | |
| Net Interest Margin | 3.17% | 3.23% | 3.15% | 2.98% | 3.13% | -4 bps | |
| Efficiency Ratio | 46.98% | 47.68% | 49.49% | 47.61% | 47.57% | +59 bps | |
| Non-Interest Burden | 1.35% | 1.39% | 1.41% | 1.15% | 1.34% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.31% | -3.00% | -16.73% | -3.57% | -2.46% | -378 bps | |
| Loan Growth (YoY) | 3.63% | 2.65% | -6.45% | -5.86% | -17.33% | -2,096 bps | |
| Deposit Growth (YoY) | -0.40% | -6.66% | -19.36% | -4.71% | -2.89% | -249 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.67% | 1.57% | 1.79% | 1.07% | 1.11% | -56 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.23% | 14.94% | 14.98% | 14.13% | 13.63% | -60 bps | |
| Total Risk-Based Capital | 28.96% | 30.12% | 31.22% | 30.64% | 30.86% | +190 bps | |
| Equity / Assets | 10.79% | 12.01% | 11.51% | 11.20% | 11.16% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.72% | 48.66% | 44.53% | 42.09% | 41.48% | -725 bps | |
| Liquid Assets / Assets | 21.62% | 21.20% | 25.88% | 28.68% | 30.69% | +907 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |