Lake Andes, SD · Cert 18483 · Randall Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 1.01% | 1.48% | 1.15% | 1.83% | +6 bps | |
| Return on Equity | 13.45% | 7.32% | 10.61% | 8.18% | 12.79% | -67 bps | |
| Net Interest Margin | 3.87% | 4.27% | 4.09% | 4.01% | 4.28% | +41 bps | |
| Efficiency Ratio | 50.99% | 56.90% | 52.08% | 62.15% | 53.29% | +230 bps | |
| Non-Interest Burden | 1.84% | 2.28% | 1.95% | 2.38% | 2.17% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.73% | 0.37% | 9.68% | -2.16% | 3.77% | +4 bps | |
| Loan Growth (YoY) | 8.12% | 17.70% | 13.68% | 10.06% | 15.38% | +726 bps | |
| Deposit Growth (YoY) | 2.57% | -1.19% | 9.18% | -4.16% | 2.86% | +28 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.95% | 1.49% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.15% | 0.04% | 0.00% | -0.04% | -8 bps | |
| Allowance / Loans | 2.26% | 2.28% | 2.27% | 2.42% | 2.25% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.4x | 1.6x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.43% | 14.31% | 13.42% | 14.30% | 13.32% | +89 bps | |
| Total Risk-Based Capital | 31.27% | 30.97% | 29.89% | 32.43% | 30.42% | -84 bps | |
| Equity / Assets | 13.13% | 14.61% | 13.41% | 14.83% | 13.84% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.86% | 51.32% | 45.51% | 47.59% | 45.83% | +497 bps | |
| Liquid Assets / Assets | 29.90% | 33.51% | 29.12% | 37.41% | 37.66% | +776 bps | |
| CRE / Total Capital | n/a | 29.42% | 26.59% | 25.23% | n/a | n/a | |