Mora, MN · Cert 18885 · Peoples Bankshares Inc.
National charter · OCC · 6 branches
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
50
Asset Quality
34
Profitability
36
Liquidity
100
Efficiency
24
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.
Mora, MN · Cert 18885 · Peoples Bankshares Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #113 of 125 inst. · $0.0B of $253.2B
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 | 0.67% | 0.70% | 0.64% | 0.74% | 0.86% | 0.89% | 0.82% | 0.89% | +15 bps | |
| Return on Equity | 13.14% | 13.69% | 11.69% | 12.88% | 14.11% | 14.06% | 11.08% | 11.92% | -96 bps | |
| Net Interest Margin | 2.97% | 2.93% | 2.88% | 3.03% | 3.13% | 3.18% | 3.39% | 3.46% | +43 bps | |
| Efficiency Ratio | 73.84% | 73.19% | 75.63% | 73.06% | 70.25% | 69.64% | 72.32% | 70.48% | -258 bps | |
| Non-Interest Burden | 2.10% | 2.04% | 2.10% | 2.11% | 2.08% | 2.09% | 2.36% | 2.33% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.56% | -1.96% | 1.03% | -0.44% | -0.77% | 3.25% | 2.07% | 3.47% | +390 bps | |
| Loan Growth (YoY) | 4.33% | 2.38% | 1.33% | 1.36% | 0.55% | 2.72% | 2.31% | 2.09% | +73 bps | |
| Deposit Growth (YoY) | -5.37% | -3.08% | -0.64% | 0.01% | 2.62% | 2.24% | 1.78% | 0.41% | +40 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.09% | 0.17% | 0.37% | 0.51% | 0.42% | 2.31% | +215 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.02% | 0.01% | -0.02% | -0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.11% | 1.12% | 1.12% | 1.11% | 1.12% | 1.11% | 1.11% | 1.10% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 13.2x | 6.7x | 3.0x | 2.2x | 2.6x | 0.5x | -6.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.77% | 10.61% | 10.44% | 10.61% | 10.83% | 10.78% | 11.22% | 11.24% | +63 bps | |
| Total Risk-Based Capital | 16.05% | 16.08% | 16.96% | 17.12% | 17.60% | 17.29% | 17.86% | 17.56% | +44 bps | |
| Equity / Assets | 6.01% | 5.18% | 5.75% | 6.34% | 7.02% | 7.41% | 7.30% | 7.61% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.01% | 75.29% | 75.96% | 75.96% | 74.48% | 75.64% | 76.35% | 77.24% | +128 bps | |
| Liquid Assets / Assets | 0.01% | 0.05% | 1.62% | 0.04% | 0.03% | 0.03% | 0.02% | 0.10% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 156.04% | 171.35% | 163.97% | n/a | n/a | |
Mora, MN · Cert 18885 · Peer group: banks under $1B in assets in MN (n=111-113) · Peoples Bankshares Inc.
National charter · OCC · 6 branches
Q2 2026
Return on Assets
0.88%
Rank 83 of 113
Net Interest Margin
3.46%
Rank 81 of 113
Efficiency Ratio
70.48%
Rank 87 of 113
Equity / Assets
7.61%
Rank 101 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.87% | 1.20% | 1.41% | Beats 27% | 83 / 113 | ||
| Return on Equity | 11.60% | 8.92% | 11.27% | 13.99% | Beats 53% | 53 / 113 | ||
| Net Interest Margin | 3.46% | 3.42% | 3.88% | 4.31% | Beats 28% | 81 / 113 | ||
| Efficiency Ratio | 70.48% | 54.13% | 61.48% | 69.86% | Beats 24% | 87 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.31% | 0.09% | 0.58% | 1.82% | Beats 14% | 97 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 54% | 52 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.54% | 11.53% | 13.31% | 18.13% | Beats 70% | 34 / 113 | ||
| Total Risk-Based Capital Ratio | 17.56% | 12.12% | 14.43% | 19.39% | Beats 69% | 35 / 113 | ||
| Equity / Assets | 7.61% | 8.52% | 10.10% | 11.94% | Beats 11% | 101 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.24% | 62.08% | 77.32% | 88.06% | 49th pctl | 57 / 111 | ||
| Loans / Assets | 62.38% | 55.01% | 66.35% | 75.50% | 39th pctl | 69 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||