Truman, MN · Cert 1905 · Profinium Finl Holdings Inc.
State charter, Fed member · FED · 4 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
44
Asset Quality
49
Profitability
27
Liquidity
60
Efficiency
32
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.
Truman, MN · Cert 1905 · Profinium Finl Holdings Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Mankato, MN · 2026 SOD (annual) · 1.2% share · #17 of 19 inst. · $0.0B of $3.5B
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 | 0.17% | 0.13% | 0.72% | 0.72% | 0.70% | 0.76% | 0.74% | 0.92% | +20 bps | |
| Return on Equity | 2.20% | 1.62% | 9.09% | 8.99% | 8.52% | 9.01% | 8.19% | 10.09% | +110 bps | |
| Net Interest Margin | 2.50% | 2.50% | 2.97% | 2.91% | 2.92% | 2.95% | 3.10% | 3.15% | +24 bps | |
| Efficiency Ratio | 90.43% | 92.11% | 70.88% | 71.76% | 72.37% | 72.49% | 69.28% | 66.36% | -540 bps | |
| Non-Interest Burden | 2.22% | 2.28% | 1.96% | 1.93% | 1.97% | 1.99% | 1.99% | 1.90% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.55% | 0.83% | 0.09% | -1.97% | -0.30% | -2.14% | 0.88% | 2.74% | +471 bps | |
| Loan Growth (YoY) | 3.40% | 0.09% | -1.42% | -0.94% | -1.57% | -4.27% | -2.67% | -3.71% | -278 bps | |
| Deposit Growth (YoY) | 2.36% | 6.27% | -0.26% | -2.67% | -1.73% | -3.15% | 1.09% | 3.01% | +567 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.21% | 0.22% | 0.19% | 0.24% | 0.18% | 0.19% | 0.13% | -5 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.05% | -0.04% | -0.14% | -0.08% | -0.04% | 0.05% | +9 bps | |
| Allowance / Loans | 1.31% | 1.25% | 1.31% | 1.30% | 1.41% | 1.30% | 1.32% | 1.28% | -2 bps | |
| Allowance Coverage of NPLs | 9.5x | 6.1x | 6.1x | 7.0x | 5.8x | 7.1x | 7.1x | 9.6x | +2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.12% | 8.96% | 9.23% | 9.49% | 9.68% | 9.87% | 10.12% | 10.17% | +68 bps | |
| Total Risk-Based Capital | 12.57% | 12.37% | 12.94% | 12.92% | 13.61% | 13.82% | 14.15% | 14.42% | +150 bps | |
| Equity / Assets | 8.28% | 7.60% | 8.14% | 8.34% | 8.78% | 9.06% | 9.08% | 9.31% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.55% | 89.77% | 90.65% | 92.61% | 91.70% | 88.73% | 87.27% | 86.57% | -604 bps | |
| Liquid Assets / Assets | 1.46% | 3.78% | 4.27% | 2.66% | 3.70% | 5.23% | 6.70% | 7.71% | +506 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 284% | 269% | 265% | n/a | n/a | |
Truman, MN · Cert 1905 · Peer group: banks under $1B in assets in MN (n=111-113) · Profinium Finl Holdings Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
0.91%
Rank 81 of 113
Net Interest Margin
3.15%
Rank 93 of 113
Efficiency Ratio
66.59%
Rank 78 of 113
Equity / Assets
9.31%
Rank 73 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.87% | 1.20% | 1.41% | Beats 28% | 81 / 113 | ||
| Return on Equity | 9.79% | 8.92% | 11.27% | 13.99% | Beats 35% | 74 / 113 | ||
| Net Interest Margin | 3.15% | 3.42% | 3.88% | 4.31% | Beats 18% | 93 / 113 | ||
| Efficiency Ratio | 66.59% | 54.13% | 61.48% | 69.86% | Beats 32% | 78 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.58% | 1.82% | Beats 71% | 33 / 111 | ||
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.04% | Beats 26% | 83 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.17% | 11.53% | 13.31% | 18.13% | Beats 48% | 59 / 113 | ||
| Total Risk-Based Capital Ratio | 14.42% | 12.12% | 14.43% | 19.39% | Beats 49% | 58 / 113 | ||
| Equity / Assets | 9.31% | 8.52% | 10.10% | 11.94% | Beats 35% | 73 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.57% | 62.08% | 77.32% | 88.06% | 71st pctl | 32 / 111 | ||
| Loans / Assets | 73.90% | 55.01% | 66.35% | 75.50% | 66th pctl | 38 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||