Russell, MN · Cert 1900 · Finlayson Bancshares Inc.
State charter, non-member · FDIC · 12 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
42
Asset Quality
50
Profitability
48
Liquidity
75
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.
Russell, MN · Cert 1900 · Finlayson Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 12 branches (24 in holding)
Q2 2026
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 | 0.68% | 0.65% | 0.72% | 0.96% | 0.91% | 0.95% | 1.03% | 1.22% | +26 bps | |
| Return on Equity | 8.78% | 8.36% | 9.24% | 12.28% | 11.58% | 12.04% | 11.89% | 13.62% | +134 bps | |
| Net Interest Margin | 2.85% | 3.00% | 3.13% | 3.24% | 3.08% | 3.12% | 3.63% | 3.61% | +37 bps | |
| Efficiency Ratio | 63.16% | 64.46% | 66.59% | 60.54% | 60.88% | 59.76% | 56.32% | 49.30% | -1,123 bps | |
| Non-Interest Burden | 1.78% | 1.91% | 2.07% | 1.92% | 1.86% | 1.87% | 2.10% | 1.57% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.05% | 4.30% | 0.95% | 5.64% | 12.80% | 13.73% | 20.93% | 15.70% | +1,005 bps | |
| Loan Growth (YoY) | 6.46% | 9.91% | 11.47% | 11.21% | 19.43% | 18.27% | 22.86% | 22.61% | +1,139 bps | |
| Deposit Growth (YoY) | 0.61% | 1.54% | 1.79% | 8.48% | 19.62% | 18.61% | 24.00% | 19.07% | +1,060 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.12% | 0.23% | 0.24% | 0.24% | 0.16% | 0.17% | 0.14% | -11 bps | |
| Net Charge-Offs / Loans | 0.33% | 0.44% | 0.04% | -0.15% | 0.02% | 0.10% | 0.00% | 0.02% | +16 bps | |
| Allowance / Loans | 1.29% | 1.21% | 1.23% | 1.29% | 1.22% | 1.14% | 1.16% | 1.38% | +8 bps | |
| Allowance Coverage of NPLs | 1.9x | 10.5x | 5.4x | 5.3x | 5.2x | 7.1x | 6.7x | 9.9x | +4.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.37% | 8.41% | 8.59% | 9.05% | 8.03% | 8.03% | 9.89% | 9.87% | +82 bps | |
| Total Risk-Based Capital | 11.59% | 11.35% | 11.65% | 12.73% | 11.02% | 11.34% | 13.35% | 13.49% | +76 bps | |
| Equity / Assets | 7.90% | 7.60% | 7.89% | 8.06% | 7.91% | 7.93% | 9.30% | 9.68% | +162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.72% | 80.27% | 80.11% | 80.79% | 79.60% | 80.04% | 79.37% | 83.19% | +240 bps | |
| Liquid Assets / Assets | 19.58% | 18.74% | 17.98% | 19.07% | 17.26% | 15.50% | 16.88% | 12.15% | -691 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 143.89% | 146.40% | 133.29% | n/a | n/a | |
Russell, MN · Cert 1900 · Peer group: banks under $1B in assets in MN (n=111-113) · Finlayson Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 12 branches (24 in holding)
Q2 2026
Return on Assets
1.21%
Rank 56 of 113
Net Interest Margin
3.61%
Rank 76 of 113
Efficiency Ratio
51.95%
Rank 19 of 113
Equity / Assets
9.68%
Rank 67 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.87% | 1.20% | 1.41% | Beats 50% | 56 / 113 | ||
| Return on Equity | 12.45% | 8.92% | 11.27% | 13.99% | Beats 62% | 43 / 113 | ||
| Net Interest Margin | 3.61% | 3.42% | 3.88% | 4.31% | Beats 33% | 76 / 113 | ||
| Efficiency Ratio | 51.95% | 54.13% | 61.48% | 69.86% | Beats 84% | 19 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.58% | 1.82% | Beats 70% | 34 / 111 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.04% | Beats 30% | 79 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.26% | 11.53% | 13.31% | 18.13% | Beats 40% | 68 / 113 | ||
| Total Risk-Based Capital Ratio | 13.49% | 12.12% | 14.43% | 19.39% | Beats 45% | 62 / 113 | ||
| Equity / Assets | 9.68% | 8.52% | 10.10% | 11.94% | Beats 41% | 67 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.19% | 62.08% | 77.32% | 88.06% | 64th pctl | 40 / 111 | ||
| Loans / Assets | 70.12% | 55.01% | 66.35% | 75.50% | 58th pctl | 47 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||