Franklin, MN · Cert 16778
FDIC · 1 branch
Q1 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.54% | 0.65% | 0.67% | -0.74% | -131 bps | |
| Return on Equity | 4.45% | 4.27% | 5.05% | 5.26% | -5.80% | -1,025 bps | |
| Net Interest Margin | 2.74% | 2.75% | 2.77% | 2.80% | 2.97% | +23 bps | |
| Efficiency Ratio | 69.41% | 68.62% | 66.81% | 66.64% | 129.55% | +6,014 bps | |
| Non-Interest Burden | 1.85% | 1.83% | 1.80% | 1.81% | 3.89% | +205 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.10% | 7.16% | 6.57% | 8.38% | 5.37% | +427 bps | |
| Loan Growth (YoY) | 4.17% | 0.89% | -0.02% | -1.93% | -2.48% | -666 bps | |
| Deposit Growth (YoY) | 0.50% | 7.49% | 6.84% | 8.60% | 6.13% | +563 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.03% | 0.02% | 0.02% | 0.02% | -3 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.07% | 0.05% | 0.04% | 0.00% | -8 bps | |
| Allowance / Loans | 1.01% | 0.97% | 0.96% | 0.99% | 1.10% | +9 bps | |
| Allowance Coverage of NPLs | 20.4x | 34.7x | 41.0x | 41.5x | 52.2x | +31.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.52% | 13.50% | 13.51% | 13.62% | 12.85% | -67 bps | |
| Total Risk-Based Capital | 13.52% | 13.50% | 13.51% | 13.62% | 12.85% | -67 bps | |
| Equity / Assets | 12.63% | 12.50% | 13.05% | 12.80% | 12.65% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.04% | 67.42% | 69.73% | 65.89% | 61.60% | -544 bps | |
| Liquid Assets / Assets | 18.17% | 18.33% | 17.24% | 22.46% | 3.84% | -1,433 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |