Taunton, MN · Cert 16906 · Taunton Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
70
Asset Quality
6
Profitability
23
Liquidity
80
Efficiency
8
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Taunton, MN · Cert 16906 · Taunton Bancshares Inc.
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.38% | 0.59% | 0.22% | 0.46% | -0.13% | 0.52% | 0.58% | +36 bps | |
| Return on Equity | 3.91% | 4.22% | 6.35% | 2.35% | 4.71% | -1.29% | 5.05% | 5.64% | +329 bps | |
| Net Interest Margin | 4.31% | 4.35% | 4.43% | 4.49% | 4.62% | 4.46% | 3.64% | 3.87% | -62 bps | |
| Efficiency Ratio | 94.72% | 93.13% | 84.08% | 93.97% | 87.24% | 84.76% | 83.01% | 82.15% | -1,182 bps | |
| Non-Interest Burden | 4.08% | 4.03% | 3.68% | 4.21% | 4.02% | 3.75% | 2.99% | 3.14% | -107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.21% | 1.32% | -3.69% | 0.28% | -5.28% | -1.74% | -5.83% | -4.20% | -448 bps | |
| Loan Growth (YoY) | -3.80% | 9.68% | 9.82% | 1.44% | -10.26% | -25.84% | -25.94% | -20.60% | -2,204 bps | |
| Deposit Growth (YoY) | -3.76% | -3.54% | -5.15% | -0.57% | -6.76% | -2.97% | -7.08% | -5.15% | -459 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.21% | 1.14% | 0.00% | 0.00% | 0.78% | 0.88% | 2.75% | 4.06% | +406 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.05% | 2.51% | 1.31% | 1.00% | 0.85% | -0.06% | 1.61% | +29 bps | |
| Allowance / Loans | 1.32% | 1.25% | 0.57% | 0.62% | 0.73% | 2.42% | 2.34% | 1.51% | +89 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.1x | n/a | n/a | 0.9x | 2.7x | 0.9x | 0.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.06% | 13.27% | 13.31% | 13.27% | 14.02% | 13.39% | 13.44% | 13.39% | +12 bps | |
| Total Risk-Based Capital | 19.37% | 16.68% | 16.57% | 15.59% | 17.85% | 19.82% | 20.21% | 20.44% | +484 bps | |
| Equity / Assets | 9.85% | 9.22% | 9.43% | 9.87% | 10.87% | 10.24% | 10.14% | 10.51% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.57% | 85.83% | 87.64% | 85.32% | 77.54% | 65.61% | 69.86% | 71.43% | -1,389 bps | |
| Liquid Assets / Assets | 1.46% | 3.20% | 1.56% | 0.87% | 1.14% | 0.82% | 1.42% | 1.58% | +71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 140.82% | 129.75% | 145.81% | n/a | n/a | |
Taunton, MN · Cert 16906 · Peer group: banks under $1B in assets in MN (n=111-113) · Taunton Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.59%
Rank 103 of 113
Net Interest Margin
3.87%
Rank 58 of 113
Efficiency Ratio
82.15%
Rank 105 of 113
Equity / Assets
10.51%
Rank 53 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.87% | 1.20% | 1.41% | Beats 9% | 103 / 113 | ||
| Return on Equity | 5.61% | 8.92% | 11.27% | 13.99% | Beats 12% | 99 / 113 | ||
| Net Interest Margin | 3.87% | 3.42% | 3.88% | 4.31% | Beats 49% | 58 / 113 | ||
| Efficiency Ratio | 82.15% | 54.13% | 61.48% | 69.86% | Beats 8% | 105 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.06% | 0.09% | 0.58% | 1.82% | Beats 7% | 104 / 111 | ||
| Net Charge-Offs / Loans | 0.83% | n/a | 0.00% | 0.04% | Beats 4% | 108 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.24% | 11.53% | 13.31% | 18.13% | Beats 79% | 24 / 113 | ||
| Total Risk-Based Capital Ratio | 20.44% | 12.12% | 14.43% | 19.39% | Beats 78% | 25 / 113 | ||
| Equity / Assets | 10.51% | 8.52% | 10.10% | 11.94% | Beats 53% | 53 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.43% | 62.08% | 77.32% | 88.06% | 38th pctl | 69 / 111 | ||
| Loans / Assets | 56.89% | 55.01% | 66.35% | 75.50% | 29th pctl | 80 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||