Avon, SD · Cert 1687
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.54% | 0.40% | 0.93% | 0.93% | +34 bps | |
| Return on Equity | 5.30% | 4.80% | 3.57% | 8.31% | 8.23% | +293 bps | |
| Net Interest Margin | 3.29% | 3.26% | 3.17% | 3.39% | 3.50% | +21 bps | |
| Efficiency Ratio | 74.15% | 76.93% | 80.20% | 69.31% | 65.49% | -867 bps | |
| Non-Interest Burden | 2.37% | 2.46% | 2.50% | 2.27% | 2.22% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.18% | 0.99% | 2.90% | 12.12% | 9.21% | +1,639 bps | |
| Loan Growth (YoY) | 14.78% | 17.72% | 16.64% | 15.42% | 11.08% | -369 bps | |
| Deposit Growth (YoY) | -1.51% | 2.31% | 4.02% | 11.80% | 9.82% | +1,133 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.74% | 0.14% | 0.79% | 0.60% | +32 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.14% | 0.19% | -0.03% | 0.22% | 0 bps | |
| Allowance / Loans | 1.20% | 1.17% | 1.23% | 1.23% | 1.23% | +3 bps | |
| Allowance Coverage of NPLs | 4.2x | 1.6x | 8.5x | 1.6x | 2.0x | -2.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.16% | 12.88% | 12.21% | 12.02% | 12.20% | -96 bps | |
| Total Risk-Based Capital | 13.16% | 12.88% | 12.21% | 12.02% | 12.20% | -96 bps | |
| Equity / Assets | 11.64% | 11.43% | 11.24% | 11.13% | 11.51% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.84% | 72.24% | 72.60% | 68.71% | 70.65% | +81 bps | |
| Liquid Assets / Assets | 0.88% | 2.50% | 2.73% | 4.63% | 3.17% | +228 bps | |
| CRE / Total Capital | n/a | 1.57% | 1.92% | 1.86% | n/a | n/a | |