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 | |