Saint Martin, MN · Cert 18937
National charter · OCC · 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
70
Asset Quality
100
Profitability
68
Liquidity
22
Efficiency
84
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.
Saint Martin, MN · Cert 18937
National charter · OCC · 1 branch
Q2 2026
Market Position · St. Cloud, MN · 2026 SOD (annual) · 0.3% share · #30 of 32 inst. · $0.0B of $7.9B
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 | 1.29% | 1.13% | 1.68% | 1.67% | 1.70% | 1.30% | 1.86% | 1.90% | +23 bps | |
| Return on Equity | 11.43% | 9.76% | 13.45% | 12.93% | 12.79% | 9.62% | 12.87% | 13.10% | +17 bps | |
| Net Interest Margin | 2.85% | 2.93% | 3.19% | 3.27% | 3.28% | 3.35% | 3.50% | 3.56% | +30 bps | |
| Efficiency Ratio | 57.78% | 64.75% | 53.19% | 52.26% | 52.10% | 63.34% | 53.44% | 50.99% | -128 bps | |
| Non-Interest Burden | 1.23% | 1.53% | 1.05% | 1.13% | 1.17% | 1.74% | 1.12% | 1.17% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.20% | -5.10% | 8.63% | -1.72% | 1.36% | 2.89% | -4.90% | 2.77% | +449 bps | |
| Loan Growth (YoY) | 7.84% | 6.44% | 10.92% | -1.17% | 2.92% | -1.29% | -3.53% | 6.52% | +769 bps | |
| Deposit Growth (YoY) | -2.80% | -7.81% | 6.99% | -4.86% | -0.54% | 0.69% | -7.23% | 1.83% | +669 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.51% | 1.51% | 1.49% | 1.57% | 1.47% | 1.53% | 1.55% | 1.47% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.07% | 13.97% | 14.04% | 14.66% | 14.76% | 14.43% | 15.30% | 15.51% | +85 bps | |
| Total Risk-Based Capital | 14.07% | 13.97% | 14.04% | 14.66% | 14.76% | 14.43% | 15.30% | 15.51% | +85 bps | |
| Equity / Assets | 12.80% | 12.75% | 12.27% | 13.82% | 14.41% | 14.57% | 14.39% | 14.60% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.48% | 54.18% | 50.08% | 51.00% | 54.31% | 53.12% | 52.08% | 53.34% | +235 bps | |
| Liquid Assets / Assets | 2.93% | 3.02% | 2.78% | 2.92% | 2.89% | 2.94% | 1.21% | 1.17% | -175 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 2.91% | n/a | n/a | |
Saint Martin, MN · Cert 18937 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
National charter · OCC · 1 branch
Q2 2026
Return on Assets
1.86%
Rank 69 of 746
Net Interest Margin
3.56%
Rank 420 of 746
Efficiency Ratio
50.99%
Rank 118 of 746
Equity / Assets
14.60%
Rank 111 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.86% | 0.72% | 1.06% | 1.45% | Beats 91% | 69 / 746 | ||
| Return on Equity | 12.78% | 6.74% | 10.51% | 13.63% | Beats 68% | 236 / 746 | ||
| Net Interest Margin | 3.56% | 3.17% | 3.68% | 4.16% | Beats 44% | 420 / 746 | ||
| Efficiency Ratio | 50.99% | 55.74% | 64.58% | 75.47% | Beats 84% | 118 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.51% | 11.55% | 13.75% | 17.60% | Beats 66% | 253 / 746 | ||
| Total Risk-Based Capital Ratio | 15.51% | 11.71% | 14.33% | 18.43% | Beats 60% | 302 / 746 | ||
| Equity / Assets | 14.60% | 8.90% | 10.51% | 13.06% | Beats 85% | 111 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.34% | 61.31% | 78.27% | 90.78% | 16th pctl | 630 / 746 | ||
| Loans / Assets | 45.46% | 53.60% | 66.97% | 76.08% | 14th pctl | 639 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||