PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Neighborhood National Bank

Mora, MN · Cert 18885 · Peoples Bankshares Inc.

National charter · OCC · 6 branches

Q2 2026

$312.2MAssets
$194.7MLoans
$252.1MDeposits
$23.8MEquity
Loan mix
85%RE $157.5M11%C&I $20.3M5%Consumer $8.6MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $197.9M22%Noninterest $54.2MQ3 2024Q2 2026

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #113 of 125 inst. · $0.0B of $253.2B

40.4% Kanabec
6.2% Chisago
2.0% Douglas
7.3% Aitkin

Executive Summary

  • Earnings: ROA of 0.89%, up 15 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 2.31% of loans (+215 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.24%, up 63 bps from a year ago.
  • Funding: loans stand at 77.24% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.89%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+43 bps YoY

Efficiency Ratio (YTD, annualized)

70.48%-258 bps YoY

Tier 1 Leverage Ratio

11.24%+63 bps YoY

NIM

4.62%Q2 ’244.66%Q2 ’254.87%Q2 ’26+5%+14%

Non-interest income vs. expense

2.46%Q2 ’242.48%Q2 ’252.70%Q2 ’26+1%+10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.70%0.64%0.74%0.86%0.89%0.82%0.89%+15 bps
Return on Equity13.14%13.69%11.69%12.88%14.11%14.06%11.08%11.92%-96 bps
Net Interest Margin2.97%2.93%2.88%3.03%3.13%3.18%3.39%3.46%+43 bps
Efficiency Ratio73.84%73.19%75.63%73.06%70.25%69.64%72.32%70.48%-258 bps
Non-Interest Burden2.10%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 / Loans0.00%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 / Loans1.11%1.12%1.12%1.11%1.12%1.11%1.11%1.10%-1 bps
Allowance Coverage of NPLsn/an/a13.2x6.7x3.0x2.2x2.6x0.5x-6.2x
Capital
Tier 1 Leverage Ratio10.77%10.61%10.44%10.61%10.83%10.78%11.22%11.24%+63 bps
Total Risk-Based Capital16.05%16.08%16.96%17.12%17.60%17.29%17.86%17.56%+44 bps
Equity / Assets6.01%5.18%5.75%6.34%7.02%7.41%7.30%7.61%+127 bps
Liquidity & Funding
Loans / Deposits76.01%75.29%75.96%75.96%74.48%75.64%76.35%77.24%+128 bps
Liquid Assets / Assets0.01%0.05%1.62%0.04%0.03%0.03%0.02%0.10%+6 bps
CRE / Total Capitaln/an/an/an/a156.04%171.35%163.97%n/an/a