Saint Louis Park, MN · Cert 16863 · Bakken Securities Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #57 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 | 0.42% | 0.54% | 0.48% | -0.15% | 0.08% | 0.06% | 0.55% | 0.53% | +68 bps | |
| Return on Equity | 4.96% | 6.29% | 5.56% | -1.70% | 0.87% | 0.60% | 5.68% | 5.44% | +714 bps | |
| Net Interest Margin | 3.32% | 3.39% | 3.53% | 3.55% | 3.62% | 3.66% | 3.78% | 3.85% | +30 bps | |
| Efficiency Ratio | 84.90% | 84.13% | 82.32% | 83.62% | 83.06% | 83.37% | 81.98% | 82.98% | -64 bps | |
| Non-Interest Burden | 2.77% | 2.80% | 2.85% | 2.92% | 2.95% | 3.00% | 3.04% | 3.14% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.59% | -3.91% | -3.19% | -2.04% | -6.48% | -4.99% | -3.47% | -3.53% | -149 bps | |
| Loan Growth (YoY) | -0.88% | -3.52% | -1.64% | -0.72% | -4.23% | -3.71% | -4.41% | -1.62% | -90 bps | |
| Deposit Growth (YoY) | -4.95% | -4.00% | -2.21% | 0.01% | -3.18% | -3.87% | -1.41% | 1.49% | +148 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.04% | 1.85% | 2.07% | 4.62% | 0.03% | 0.14% | -171 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.07% | 0.01% | -0.05% | -0.04% | 0.01% | 5.76% | 2.81% | +286 bps | |
| Allowance / Loans | 1.57% | 1.38% | 1.35% | 2.05% | 2.11% | 2.36% | 0.89% | 0.89% | -117 bps | |
| Allowance Coverage of NPLs | 35.4x | 32.7x | 35.9x | 1.1x | 1.0x | 0.5x | 30.4x | 6.3x | +5.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.71% | 12.13% | 11.82% | 11.67% | 11.96% | 12.20% | 12.13% | 12.31% | +63 bps | |
| Total Risk-Based Capital | 17.90% | 18.59% | 17.59% | 18.00% | 18.56% | 18.86% | 18.28% | 18.29% | +29 bps | |
| Equity / Assets | 9.20% | 8.71% | 8.62% | 8.93% | 9.64% | 9.88% | 9.38% | 9.93% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.98% | 75.88% | 78.49% | 80.72% | 80.10% | 76.01% | 76.10% | 78.24% | -248 bps | |
| Liquid Assets / Assets | 1.31% | 3.35% | 1.92% | 2.71% | 1.70% | 3.96% | 3.78% | 2.73% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 288% | 273% | 269% | n/a | n/a | |