Trimont, MN · Cert 1906 · Trimont Bcorp
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.81% | 1.59% | 1.58% | -0.95% | 1.99% | 1.69% | 1.42% | -16 bps | |
| Return on Equity | 11.11% | 14.92% | 13.22% | 12.75% | -7.33% | 15.53% | 13.42% | 11.19% | -155 bps | |
| Net Interest Margin | 5.10% | 5.17% | 4.97% | 5.02% | 4.19% | 5.05% | 4.92% | 4.71% | -31 bps | |
| Efficiency Ratio | 59.68% | 48.69% | 52.79% | 52.70% | 72.54% | 49.87% | 52.33% | 52.75% | +5 bps | |
| Non-Interest Burden | 2.97% | 2.40% | 2.53% | 2.55% | 2.99% | 2.42% | 2.51% | 2.40% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.77% | -2.23% | -1.32% | 0.00% | -1.45% | 1.40% | 1.65% | 4.87% | +487 bps | |
| Loan Growth (YoY) | 6.29% | 10.13% | 3.75% | -0.13% | -1.89% | 1.27% | 8.24% | 7.73% | +786 bps | |
| Deposit Growth (YoY) | -4.68% | -4.03% | -2.97% | -1.73% | -2.54% | 0.61% | 0.87% | 4.51% | +625 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.54% | 1.00% | 0.68% | 7.84% | 4.63% | 3.18% | 5.00% | +433 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.00% | -0.01% | 0.04% | 2.45% | -0.01% | -0.01% | 0.34% | +30 bps | |
| Allowance / Loans | 1.36% | 1.26% | 1.36% | 1.38% | 1.45% | 1.30% | 1.31% | 1.29% | -9 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.4x | 1.4x | 2.0x | 0.2x | 0.3x | 0.4x | 0.3x | -1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.06% | 12.39% | 11.84% | 12.51% | 12.61% | 12.92% | 12.31% | 12.87% | +36 bps | |
| Total Risk-Based Capital | 17.84% | 17.27% | 17.83% | 18.63% | 18.33% | 17.62% | 17.55% | 17.70% | -93 bps | |
| Equity / Assets | 12.15% | 12.18% | 11.86% | 12.88% | 12.97% | 12.71% | 12.41% | 12.97% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.37% | 80.13% | 73.33% | 77.41% | 75.87% | 80.66% | 78.69% | 79.79% | +238 bps | |
| Liquid Assets / Assets | 14.48% | 12.68% | 11.29% | 11.02% | 11.01% | 10.37% | 9.30% | 8.67% | -235 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 88.03% | 87.58% | 89.26% | n/a | n/a | |