Forest City, IA · Cert 16307 · MBT Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 2.4% share · #14 of 34 inst. · $0.2B of $7.6B
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 | 0.87% | 0.72% | 0.76% | 1.13% | 0.96% | 1.09% | 0.92% | 1.18% | +5 bps | |
| Return on Equity | 10.01% | 7.71% | 7.98% | 11.39% | 9.28% | 10.17% | 8.55% | 10.95% | -44 bps | |
| Net Interest Margin | 2.87% | 2.78% | 2.94% | 3.27% | 3.26% | 3.34% | 3.41% | 3.49% | +21 bps | |
| Efficiency Ratio | 67.58% | 66.94% | 70.56% | 61.64% | 66.87% | 63.18% | 69.96% | 61.57% | -8 bps | |
| Non-Interest Burden | 1.66% | 1.62% | 1.86% | 1.70% | 1.90% | 1.80% | 2.14% | 1.82% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.53% | -3.62% | -4.21% | -5.50% | -2.83% | -1.18% | -0.48% | 1.52% | +702 bps | |
| Loan Growth (YoY) | 3.59% | -1.18% | -3.30% | -3.67% | -5.55% | -2.06% | -1.89% | 0.63% | +430 bps | |
| Deposit Growth (YoY) | 1.62% | 3.11% | 0.71% | -5.61% | -1.97% | 0.13% | -1.07% | 2.12% | +774 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.65% | 0.83% | 0.75% | 0.58% | 1.69% | 0.53% | 0.72% | 0.94% | +37 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.02% | 0.00% | 0.02% | 0.01% | 0.00% | 0.00% | -0.01% | -3 bps | |
| Allowance / Loans | 1.21% | 1.28% | 1.34% | 1.40% | 1.46% | 1.43% | 1.49% | 1.52% | +13 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.5x | 1.8x | 2.4x | 0.9x | 2.7x | 2.1x | 1.6x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.28% | 9.43% | 9.72% | 10.04% | 10.23% | 10.35% | 10.37% | 10.44% | +39 bps | |
| Total Risk-Based Capital | 13.01% | 13.15% | 13.46% | 13.98% | 14.30% | 14.14% | 14.02% | 14.13% | +15 bps | |
| Equity / Assets | 9.39% | 9.26% | 9.69% | 10.16% | 10.61% | 10.83% | 10.74% | 10.82% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.60% | 83.84% | 82.11% | 81.77% | 82.47% | 82.01% | 81.43% | 80.57% | -119 bps | |
| Liquid Assets / Assets | 0.11% | 0.11% | 0.09% | 0.05% | 0.05% | 0.04% | 0.04% | 0.06% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 213% | 217% | 222% | n/a | n/a | |