McGregor, MN · Cert 18719 · Midcountry Acquisition Corp.
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
60
Asset Quality
8
Profitability
64
Liquidity
0
Efficiency
33
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.
McGregor, MN · Cert 18719 · Midcountry Acquisition Corp.
State charter, non-member · FDIC · 3 affiliate banks · 1 branch (26 in holding)
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 | 1.67% | 1.48% | 1.04% | 1.43% | 1.52% | 1.46% | 1.52% | 1.26% | -17 bps | |
| Return on Equity | 12.03% | 10.76% | 7.70% | 10.62% | 11.37% | 10.95% | 11.50% | 9.67% | -95 bps | |
| Net Interest Margin | 5.38% | 5.31% | 5.38% | 5.61% | 5.73% | 5.66% | 5.70% | 5.68% | +7 bps | |
| Efficiency Ratio | 57.03% | 57.35% | 64.45% | 61.83% | 60.57% | 60.48% | 62.57% | 66.20% | +437 bps | |
| Non-Interest Burden | 2.81% | 2.81% | 3.25% | 3.26% | 3.32% | 3.27% | 3.43% | 3.65% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.07% | -0.40% | -0.77% | 1.07% | 4.16% | 6.32% | 6.79% | 5.88% | +481 bps | |
| Loan Growth (YoY) | 8.03% | 5.50% | 4.96% | 7.06% | 5.67% | 8.08% | 3.71% | 2.00% | -506 bps | |
| Deposit Growth (YoY) | 3.12% | 4.10% | 3.58% | 6.81% | 7.89% | 6.09% | 6.65% | 7.22% | +42 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.23% | 2.68% | 2.31% | 2.69% | 3.03% | 3.04% | 2.34% | 2.81% | +12 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.06% | 1.22% | 0.63% | 0.44% | 0.35% | 1.19% | 0.76% | +12 bps | |
| Allowance / Loans | 1.26% | 1.57% | 1.37% | 1.31% | 1.31% | 1.40% | 1.14% | 1.12% | -19 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.6x | 0.5x | 0.4x | 0.5x | 0.5x | 0.4x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.93% | 10.82% | 11.29% | 10.85% | 11.07% | 11.12% | 11.35% | 10.68% | -17 bps | |
| Total Risk-Based Capital | 16.54% | 15.24% | 15.12% | 14.43% | 14.66% | 14.79% | 15.45% | 14.54% | +11 bps | |
| Equity / Assets | 14.34% | 13.53% | 13.60% | 13.28% | 13.25% | 13.17% | 13.26% | 12.73% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.97% | 105.38% | 105.46% | 108.48% | 104.77% | 107.35% | 102.55% | 103.20% | -528 bps | |
| Liquid Assets / Assets | 3.75% | 3.79% | 3.02% | 3.02% | 4.17% | 3.99% | 3.23% | 3.21% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 198.82% | 204% | 192.66% | n/a | n/a | |
McGregor, MN · Cert 18719 · Peer group: banks under $1B in assets in MN (n=111-113) · Midcountry Acquisition Corp.
State charter, non-member · FDIC · 3 affiliate banks · 1 branch (26 in holding)
Q2 2026
Return on Assets
1.26%
Rank 48 of 113
Net Interest Margin
5.68%
Rank 1 of 113
Efficiency Ratio
66.20%
Rank 77 of 113
Equity / Assets
12.73%
Rank 23 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.26% | 0.87% | 1.20% | 1.41% | Beats 58% | 48 / 113 | ||
| Return on Equity | 9.91% | 8.92% | 11.27% | 13.99% | Beats 35% | 73 / 113 | ||
| Net Interest Margin | 5.68% | 3.42% | 3.88% | 4.31% | Beats 99% | 1 / 113 | ||
| Efficiency Ratio | 66.20% | 54.13% | 61.48% | 69.86% | Beats 33% | 77 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.81% | 0.09% | 0.58% | 1.82% | Beats 10% | 101 / 111 | ||
| Net Charge-Offs / Loans | 0.43% | n/a | 0.00% | 0.04% | Beats 5% | 106 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.31% | 11.53% | 13.31% | 18.13% | Beats 50% | 57 / 113 | ||
| Total Risk-Based Capital Ratio | 14.54% | 12.12% | 14.43% | 19.39% | Beats 50% | 56 / 113 | ||
| Equity / Assets | 12.73% | 8.52% | 10.10% | 11.94% | Beats 80% | 23 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 103.20% | 62.08% | 77.32% | 88.06% | 92nd pctl | 9 / 111 | ||
| Loans / Assets | 86.12% | 55.01% | 66.35% | 75.50% | 92nd pctl | 9 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||