Saint Paul, MN · Cert 16111 · Highland Bancshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.3% share · #27 of 125 inst. · $0.6B of $253.2B
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 | 0.48% | 0.53% | 0.62% | 0.31% | 0.37% | 0.01% | 0.23% | 0.03% | -28 bps | |
| Return on Equity | 6.84% | 7.52% | 8.65% | 4.28% | 5.11% | 0.14% | 3.11% | 0.44% | -385 bps | |
| Net Interest Margin | 3.44% | 3.48% | 3.72% | 3.70% | 3.77% | 3.79% | 3.70% | 3.77% | +6 bps | |
| Efficiency Ratio | 81.29% | 79.28% | 75.70% | 75.01% | 74.30% | 71.10% | 75.76% | 74.29% | -72 bps | |
| Non-Interest Burden | 2.77% | 2.74% | 2.78% | 2.73% | 2.75% | 2.63% | 2.78% | 2.76% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.54% | -2.90% | 1.86% | 2.53% | -1.04% | 0.58% | -2.96% | -0.30% | -283 bps | |
| Loan Growth (YoY) | -2.20% | -1.08% | 0.70% | 2.02% | 3.10% | 0.70% | -0.11% | 0.83% | -119 bps | |
| Deposit Growth (YoY) | 3.61% | 2.38% | 4.35% | 0.18% | 1.30% | 0.81% | -2.63% | 4.43% | +425 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.01% | 1.90% | 1.90% | 1.11% | 1.12% | 2.51% | +61 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.01% | 0.01% | 0.17% | 0.95% | 0.13% | 0.79% | +77 bps | |
| Allowance / Loans | 1.71% | 1.73% | 1.63% | 2.01% | 2.06% | 2.33% | 2.50% | 2.53% | +52 bps | |
| Allowance Coverage of NPLs | 41.9x | 57.9x | 157.9x | 1.1x | 1.1x | 2.1x | 2.2x | 1.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.64% | 8.74% | 8.81% | 8.64% | 8.70% | 8.43% | 8.65% | 8.58% | -6 bps | |
| Total Risk-Based Capital | 11.79% | 11.80% | 11.78% | 11.53% | 11.11% | 11.70% | 11.52% | 11.36% | -16 bps | |
| Equity / Assets | 7.29% | 7.22% | 7.19% | 7.23% | 7.55% | 7.50% | 7.44% | 7.36% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.95% | 83.01% | 80.19% | 85.22% | 83.40% | 82.92% | 82.26% | 82.29% | -293 bps | |
| Liquid Assets / Assets | 3.11% | 0.28% | 1.58% | 0.20% | 1.00% | 1.19% | 1.72% | 0.90% | +70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 440% | 437% | 432% | n/a | n/a | |