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 (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 | 0.58% | 0.71% | -0.73% | 0.87% | 0.91% | 0.87% | 1.20% | 1.13% | +26 bps | |
| Return on Equity | 7.69% | 9.39% | -9.62% | 11.14% | 11.44% | 10.81% | 13.62% | 12.47% | +133 bps | |
| Net Interest Margin | 3.01% | 3.08% | 3.23% | 3.34% | 3.36% | 3.25% | 3.61% | 3.70% | +36 bps | |
| Efficiency Ratio | 77.01% | 72.86% | 73.42% | 57.50% | 59.47% | 61.71% | 59.35% | 62.39% | +489 bps | |
| Non-Interest Burden | 2.26% | 2.18% | 2.30% | 1.48% | 1.69% | 1.77% | 2.04% | 2.21% | +72 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% | 0.02% | 0.01% | 0.43% | -0.08% | 0.87% | +85 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 | |