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Triumph State Bank

Trimont, MN · Cert 1906 · Trimont Bcorp

State charter, non-member · FDIC · 4 branches

Q2 2026

$93.3MAssets
$63.9MLoans
$80.0MDeposits
$12.1MEquity
Loan mix
65%RE $27.1M28%C&I $11.9M7%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $45.8M43%Noninterest $34.3MQ2 2025Q2 2026

NIM

6.21%Q2 ’246.11%Q2 ’255.68%Q2 ’26-2%-6%

Non-interest income vs. expense

2.62%Q2 ’242.82%Q2 ’252.65%Q2 ’26+7%-6%

Executive Summary

  • Earnings: ROA of 1.42%, down 16 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 5.00% of loans (+433 bps YoY), with net charge-offs at 0.34%.
  • Capital: tier 1 leverage ratio of 12.87%, up 36 bps from a year ago.
  • Funding: loans stand at 79.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.42%-16 bps YoY

Net Interest Margin (quarter, annualized)

4.71%-31 bps YoY

Efficiency Ratio (quarter, annualized)

52.75%+5 bps YoY

Tier 1 Leverage Ratio

12.87%+36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%-0.95%1.99%1.69%1.42%-16 bps
Return on Equity12.75%-7.33%15.53%13.42%11.19%-155 bps
Net Interest Margin5.02%4.19%5.05%4.92%4.71%-31 bps
Efficiency Ratio52.70%72.54%49.87%52.33%52.75%+5 bps
Non-Interest Burden2.55%2.99%2.42%2.51%2.40%-15 bps
Growth
Asset Growth (YoY)0.00%-1.45%1.40%1.65%4.87%+487 bps
Loan Growth (YoY)-0.13%-1.89%1.27%8.24%7.73%+786 bps
Deposit Growth (YoY)-1.73%-2.54%0.61%0.87%4.51%+625 bps
Asset Quality
Nonperforming Loans / Loans0.68%7.84%4.63%3.18%5.00%+433 bps
Net Charge-Offs / Loans0.04%2.45%-0.01%-0.01%0.34%+30 bps
Allowance / Loans1.38%1.45%1.30%1.31%1.29%-9 bps
Allowance Coverage of NPLs2.0x0.2x0.3x0.4x0.3x-1.8x
Capital
Tier 1 Leverage Ratio12.51%12.61%12.92%12.31%12.87%+36 bps
Total Risk-Based Capital18.63%18.33%17.62%17.55%17.70%-93 bps
Equity / Assets12.88%12.97%12.71%12.41%12.97%+9 bps
Liquidity & Funding
Loans / Deposits77.41%75.87%80.66%78.69%79.79%+238 bps
Liquid Assets / Assets11.02%11.01%10.37%9.30%8.67%-235 bps
CRE / Total Capitaln/a88.03%87.58%89.26%n/an/a