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 (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 | 0.88% | 0.73% | 0.87% | 0.71% | 0.96% | 0.61% | 0.67% | 0.82% | +10 bps | |
| Return on Equity | 15.34% | 12.62% | 15.67% | 11.56% | 16.34% | 10.74% | 11.64% | 14.70% | +314 bps | |
| Net Interest Margin | 3.59% | 3.58% | 3.72% | 3.73% | 3.73% | 3.62% | 3.65% | 3.74% | +1 bps | |
| Efficiency Ratio | 70.51% | 76.32% | 72.03% | 76.79% | 69.62% | 80.11% | 77.85% | 73.19% | -360 bps | |
| Non-Interest Burden | 2.47% | 2.67% | 2.63% | 2.82% | 2.54% | 2.86% | 2.81% | 2.69% | -13 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 | 0.06% | 0.39% | 0.00% | 0.00% | 0.00% | 0.07% | 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 | |