Halstad, MN · Cert 15820 · Red River Finl Services Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Grand Forks, ND-MN · 2026 SOD (annual) · 1.1% share · #15 of 21 inst. · $0.0B of $3.9B
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 | 1.27% | 0.74% | 1.27% | 1.10% | 1.01% | 0.50% | 1.71% | 1.71% | +61 bps | |
| Return on Equity | 9.90% | 5.77% | 9.78% | 8.17% | 7.37% | 3.63% | 12.25% | 11.69% | +351 bps | |
| Net Interest Margin | 4.06% | 3.92% | 4.14% | 4.06% | 4.16% | 4.05% | 5.75% | 5.37% | +131 bps | |
| Efficiency Ratio | 51.94% | 55.81% | 52.33% | 55.73% | 58.84% | 66.11% | 57.52% | 56.66% | +94 bps | |
| Non-Interest Burden | 2.06% | 2.15% | 2.11% | 2.21% | 2.40% | 2.64% | 3.25% | 2.99% | +78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.56% | 0.25% | 2.94% | -5.12% | -4.26% | -3.00% | -4.33% | -5.14% | -2 bps | |
| Loan Growth (YoY) | -1.22% | 1.43% | -7.10% | -7.53% | -5.67% | -3.05% | -4.87% | -5.56% | +197 bps | |
| Deposit Growth (YoY) | -1.70% | -1.03% | 2.17% | -6.92% | -5.47% | -3.76% | -5.40% | -6.89% | +3 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 8.96% | 7.91% | 8.17% | 12.76% | 12.55% | 12.11% | 8.50% | 8.88% | -388 bps | |
| Net Charge-Offs / Loans | 0.39% | 1.32% | -0.05% | 0.61% | 0.40% | 0.73% | -1.36% | -0.69% | -130 bps | |
| Allowance / Loans | 1.30% | 0.99% | 1.16% | 0.91% | 1.01% | 1.14% | 1.62% | 1.67% | +76 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.2x | 0.2x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.24% | 12.55% | 13.15% | 13.92% | 14.32% | 13.42% | 14.23% | 15.24% | +132 bps | |
| Total Risk-Based Capital | 20.18% | 12.55% | 13.15% | 13.92% | 14.32% | 13.42% | 14.23% | 15.24% | +132 bps | |
| Equity / Assets | 13.45% | 12.88% | 13.13% | 14.47% | 14.49% | 13.68% | 14.22% | 16.09% | +162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.50% | 100.91% | 96.49% | 105.63% | 106.27% | 101.66% | 97.03% | 107.14% | +151 bps | |
| Liquid Assets / Assets | 0.40% | 1.00% | 0.99% | 0.85% | 0.42% | 0.00% | 0.42% | 0.68% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 73.10% | 78.25% | 72.32% | n/a | n/a | |