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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 0.93% | 1.04% | 1.81% | 1.72% | 1.28% | 1.52% | 1.00% | -81 bps | |
| Return on Equity | 10.28% | 6.66% | 7.70% | 13.47% | 12.97% | 9.68% | 11.50% | 7.69% | -578 bps | |
| Net Interest Margin | 5.46% | 5.34% | 5.38% | 5.88% | 6.21% | 5.90% | 5.70% | 5.66% | -23 bps | |
| Efficiency Ratio | 59.31% | 58.31% | 64.45% | 59.40% | 58.18% | 60.23% | 62.57% | 69.98% | +1,057 bps | |
| Non-Interest Burden | 2.97% | 2.94% | 3.25% | 3.30% | 3.55% | 3.40% | 3.43% | 3.86% | +56 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% | 0.12% | 1.22% | 0.07% | 0.05% | 0.11% | 1.19% | 0.34% | +26 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 | |