Aitkin, MN · Cert 16656 · Security St Agency Aitkin Inc.
State charter, non-member · FDIC · 4 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 in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
59
Profitability
40
Liquidity
19
Efficiency
12
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.
Aitkin, MN · Cert 16656 · Security St Agency Aitkin Inc.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (6 in holding)
Q2 2026
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 | 0.80% | 0.78% | 0.87% | 0.79% | 0.85% | 0.79% | 0.67% | 0.74% | -5 bps | |
| Return on Equity | 14.76% | 14.69% | 15.67% | 13.58% | 14.84% | 13.74% | 11.64% | 13.05% | -53 bps | |
| Net Interest Margin | 3.52% | 3.41% | 3.72% | 3.72% | 3.64% | 3.69% | 3.65% | 3.71% | -1 bps | |
| Efficiency Ratio | 71.51% | 72.79% | 72.03% | 74.41% | 72.78% | 74.59% | 77.85% | 75.50% | +108 bps | |
| Non-Interest Burden | 2.46% | 2.42% | 2.63% | 2.72% | 2.60% | 2.70% | 2.81% | 2.76% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.82% | -0.37% | 5.24% | 6.69% | 1.18% | 2.00% | -0.79% | 2.15% | -455 bps | |
| Loan Growth (YoY) | 2.65% | 4.65% | 10.95% | 6.80% | 15.24% | 15.07% | 8.20% | 13.56% | +676 bps | |
| Deposit Growth (YoY) | -1.50% | -1.16% | 4.55% | 4.17% | 2.53% | 1.19% | -0.32% | 3.20% | -97 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.01% | 0.00% | 0.00% | 1.20% | 2.52% | 2.34% | 2.24% | +224 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.11% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.53% | 2.36% | 2.18% | 2.19% | 2.11% | 2.03% | 2.00% | 1.91% | -28 bps | |
| Allowance Coverage of NPLs | 19.5x | 183.7x | n/a | n/a | 1.7x | 0.8x | 0.9x | 0.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.07% | 12.51% | 12.73% | 12.37% | 10.48% | 10.69% | 10.88% | 10.79% | -158 bps | |
| Total Risk-Based Capital | 13.07% | 12.51% | 12.73% | 12.37% | 10.48% | 10.69% | 10.88% | 10.79% | -158 bps | |
| Equity / Assets | 6.51% | 5.06% | 5.99% | 6.36% | 5.39% | 5.89% | 5.62% | 5.50% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.41% | 45.24% | 49.22% | 48.65% | 49.91% | 51.45% | 53.43% | 53.53% | +488 bps | |
| Liquid Assets / Assets | 8.14% | 9.95% | 6.16% | 6.58% | 7.90% | 6.96% | 5.07% | 6.35% | -23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 216% | 229% | 243% | n/a | n/a | |
Aitkin, MN · Cert 16656 · Peer group: banks under $1B in assets in MN (n=111-113) · Security St Agency Aitkin Inc.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (6 in holding)
Q2 2026
Return on Assets
0.73%
Rank 94 of 113
Net Interest Margin
3.71%
Rank 72 of 113
Efficiency Ratio
75.50%
Rank 101 of 113
Equity / Assets
5.50%
Rank 111 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.87% | 1.20% | 1.41% | Beats 17% | 94 / 113 | ||
| Return on Equity | 13.18% | 8.92% | 11.27% | 13.99% | Beats 67% | 37 / 113 | ||
| Net Interest Margin | 3.71% | 3.42% | 3.88% | 4.31% | Beats 36% | 72 / 113 | ||
| Efficiency Ratio | 75.50% | 54.13% | 61.48% | 69.86% | Beats 12% | 101 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.24% | 0.09% | 0.58% | 1.82% | Beats 18% | 92 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.79% | 11.53% | 13.31% | 18.13% | Beats 15% | 96 / 113 | ||
| Total Risk-Based Capital Ratio | 10.79% | 12.12% | 14.43% | 19.39% | Beats 12% | 99 / 113 | ||
| Equity / Assets | 5.50% | 8.52% | 10.10% | 11.94% | Beats 2% | 111 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.53% | 62.08% | 77.32% | 88.06% | 13th pctl | 97 / 111 | ||
| Loans / Assets | 49.89% | 55.01% | 66.35% | 75.50% | 17th pctl | 94 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||