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 (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 | 1.04% | -1.75% | 0.89% | -7.13% | 0.82% | 1.51% | 0.75% | 0.02% | +716 bps | |
| Return on Equity | 12.61% | -22.02% | 11.53% | -93.25% | 11.54% | 21.32% | 10.52% | 0.30% | +9,355 bps | |
| Net Interest Margin | 3.64% | 0.98% | 3.51% | 3.32% | 3.42% | 7.08% | 3.88% | 3.44% | +12 bps | |
| Efficiency Ratio | 60.85% | 266% | 68.15% | 75.25% | 70.63% | 35.25% | 70.75% | 78.98% | +372 bps | |
| Non-Interest Burden | 2.18% | 2.68% | 2.37% | 2.48% | 2.39% | 2.42% | 2.71% | 2.70% | +22 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% | 14.02% | 0.00% | 5.26% | 0.93% | 1.45% | -1,257 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 | |