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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.86% | 0.89% | 0.82% | 0.89% | +15 bps | |
| Return on Equity | 12.88% | 14.11% | 14.06% | 11.08% | 11.92% | -96 bps | |
| Net Interest Margin | 3.03% | 3.13% | 3.18% | 3.39% | 3.46% | +43 bps | |
| Efficiency Ratio | 73.06% | 70.25% | 69.64% | 72.32% | 70.48% | -258 bps | |
| Non-Interest Burden | 2.11% | 2.08% | 2.09% | 2.36% | 2.33% | +22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.44% | -0.77% | 3.25% | 2.07% | 3.47% | +390 bps | |
| Loan Growth (YoY) | 1.36% | 0.55% | 2.72% | 2.31% | 2.09% | +73 bps | |
| Deposit Growth (YoY) | 0.01% | 2.62% | 2.24% | 1.78% | 0.41% | +40 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.17% | 0.37% | 0.51% | 0.42% | 2.31% | +215 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.02% | -0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.11% | 1.12% | 1.11% | 1.11% | 1.10% | -1 bps | |
| Allowance Coverage of NPLs | 6.7x | 3.0x | 2.2x | 2.6x | 0.5x | -6.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.61% | 10.83% | 10.78% | 11.22% | 11.24% | +63 bps | |
| Total Risk-Based Capital | 17.12% | 17.60% | 17.29% | 17.86% | 17.56% | +44 bps | |
| Equity / Assets | 6.34% | 7.02% | 7.41% | 7.30% | 7.61% | +127 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.96% | 74.48% | 75.64% | 76.35% | 77.24% | +128 bps | |
| Liquid Assets / Assets | 0.04% | 0.03% | 0.03% | 0.02% | 0.10% | +6 bps | |
| CRE / Total Capital | n/a | 156.04% | 171.35% | 163.97% | n/a | n/a | |