Roseville, MN · Cert 16733
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #46 of 125 inst. · $0.3B of $253.2B
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 | 0.73% | 1.07% | -0.73% | 2.21% | 1.00% | 0.76% | 1.20% | 1.06% | -115 bps | |
| Return on Equity | 9.89% | 13.92% | -9.62% | 28.23% | 12.08% | 8.92% | 13.62% | 11.36% | -1,686 bps | |
| Net Interest Margin | 3.07% | 3.27% | 3.23% | 3.42% | 3.47% | 3.38% | 3.61% | 3.69% | +27 bps | |
| Efficiency Ratio | 71.25% | 61.54% | 73.42% | 46.76% | 64.04% | 68.92% | 59.35% | 65.41% | +1,865 bps | |
| Non-Interest Burden | 2.12% | 1.90% | 2.30% | 0.65% | 2.12% | 2.24% | 2.04% | 2.32% | +168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.76% | 6.98% | 6.85% | 3.33% | 2.34% | 7.99% | 3.59% | -1.64% | -497 bps | |
| Loan Growth (YoY) | 7.92% | 3.70% | 1.25% | 1.75% | 0.76% | -2.46% | -3.53% | -6.32% | -807 bps | |
| Deposit Growth (YoY) | 12.47% | 7.25% | 6.47% | 2.58% | 2.02% | 7.39% | 2.26% | -3.05% | -562 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.81% | 1.40% | 1.39% | 0.94% | +94 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 1.68% | -0.08% | 1.83% | +179 bps | |
| Allowance / Loans | 1.22% | 1.22% | 1.80% | 1.76% | 1.82% | 1.52% | 1.56% | 1.13% | -63 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.0x | 1.1x | 1.1x | 1.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.47% | 9.71% | 9.50% | 10.27% | 10.35% | 10.04% | 10.53% | 11.00% | +73 bps | |
| Total Risk-Based Capital | 9.47% | 9.71% | 9.50% | 10.27% | 10.35% | 10.04% | 10.53% | 11.00% | +73 bps | |
| Equity / Assets | 7.63% | 7.72% | 7.53% | 8.12% | 8.41% | 8.57% | 9.02% | 9.60% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.94% | 74.65% | 74.15% | 74.65% | 70.07% | 67.80% | 69.95% | 72.13% | -252 bps | |
| Liquid Assets / Assets | 10.26% | 7.43% | 8.74% | 8.90% | 14.94% | 15.68% | 12.81% | 10.07% | +117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 423% | 412% | 402% | n/a | n/a | |