Alexandria, SD · Cert 16448
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
3
Profitability
27
Liquidity
33
Efficiency
26
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Alexandria, SD · Cert 16448
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #39 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.44% | 0.89% | -3.04% | -1.65% | -0.74% | 0.75% | 0.39% | +342 bps | |
| Return on Equity | 13.16% | 5.63% | 11.53% | -40.50% | -22.12% | -10.09% | 10.52% | 5.49% | +4,599 bps | |
| Net Interest Margin | 3.57% | 2.87% | 3.51% | 3.39% | 3.37% | 4.24% | 3.88% | 3.59% | +20 bps | |
| Efficiency Ratio | 61.94% | 79.43% | 68.15% | 71.63% | 71.29% | 56.30% | 70.75% | 74.70% | +307 bps | |
| Non-Interest Burden | 2.15% | 2.26% | 2.37% | 2.41% | 2.38% | 2.35% | 2.71% | 2.66% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.06% | 1.65% | 7.28% | 2.90% | 6.04% | 4.61% | -4.13% | 1.44% | -146 bps | |
| Loan Growth (YoY) | 15.64% | 12.44% | 0.88% | -5.81% | -8.20% | -14.11% | -12.42% | -7.91% | -210 bps | |
| Deposit Growth (YoY) | 0.20% | 0.80% | 6.71% | 3.06% | 7.64% | 6.13% | -3.19% | 2.50% | -56 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.06% | 0.00% | 0.00% | 0.00% | 1.80% | 0.67% | 3.72% | +372 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 7.01% | 4.73% | 4.90% | 0.93% | 1.19% | -582 bps | |
| Allowance / Loans | 1.15% | 1.09% | 1.20% | 1.23% | 1.24% | 1.25% | 1.19% | 1.16% | -7 bps | |
| Allowance Coverage of NPLs | 16.5x | 17.0x | n/a | n/a | n/a | 0.7x | 1.8x | 0.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.39% | 9.18% | 10.02% | 8.15% | 8.30% | 7.68% | 8.53% | 8.24% | +9 bps | |
| Total Risk-Based Capital | 10.39% | 9.18% | 10.02% | 8.15% | 14.35% | 13.38% | 14.46% | 14.55% | +640 bps | |
| Equity / Assets | 8.69% | 7.18% | 8.30% | 6.99% | 7.28% | 6.85% | 7.49% | 6.86% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.36% | 71.57% | 64.33% | 63.18% | 60.01% | 57.92% | 58.20% | 56.76% | -642 bps | |
| Liquid Assets / Assets | 1.59% | 1.13% | 4.08% | 1.65% | 2.59% | 2.88% | 3.52% | 2.32% | +67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |
Alexandria, SD · Cert 16448 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.39%
Rank 651 of 746
Net Interest Margin
3.59%
Rank 403 of 746
Efficiency Ratio
74.70%
Rank 552 of 746
Equity / Assets
6.86%
Rank 705 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.39% | 0.72% | 1.06% | 1.45% | Beats 13% | 651 / 746 | ||
| Return on Equity | 5.67% | 6.74% | 10.51% | 13.63% | Beats 21% | 593 / 746 | ||
| Net Interest Margin | 3.59% | 3.17% | 3.68% | 4.16% | Beats 46% | 403 / 746 | ||
| Efficiency Ratio | 74.70% | 55.74% | 64.58% | 75.47% | Beats 26% | 552 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.72% | 0.09% | 0.42% | 1.07% | Beats 3% | 720 / 743 | ||
| Net Charge-Offs / Loans | 0.63% | 0.00% | 0.01% | 0.05% | Beats 2% | 727 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.55% | 11.55% | 13.75% | 17.60% | Beats 47% | 392 / 746 | ||
| Total Risk-Based Capital Ratio | 14.55% | 11.71% | 14.33% | 18.43% | Beats 51% | 368 / 746 | ||
| Equity / Assets | 6.86% | 8.90% | 10.51% | 13.06% | Beats 5% | 705 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.76% | 61.31% | 78.27% | 90.78% | 19th pctl | 602 / 746 | ||
| Loans / Assets | 52.67% | 53.60% | 66.97% | 76.08% | 23rd pctl | 571 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||