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 | |