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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 $3.0MQ3 2024Q2 2026
Deposit mix
57%Interest-bearing $45.8M43%Noninterest $34.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.56%, down 3 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 5.00% of loans (+433 bps YoY), with net charge-offs at 0.16%.
  • 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.

Return on Assets (YTD, annualized)

1.56%-3 bps YoY

Net Interest Margin (YTD, annualized)

4.85%-20 bps YoY

Efficiency Ratio (YTD, annualized)

52.53%-21 bps YoY

Tier 1 Leverage Ratio

12.87%+36 bps YoY

NIM

6.15%Q2 ’246.13%Q2 ’255.83%Q2 ’26-1%-4%

Non-interest income vs. expense

2.75%Q2 ’242.84%Q2 ’252.70%Q2 ’26+3%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.60%1.59%1.59%0.77%1.06%1.69%1.56%-3 bps
Return on Equity13.74%14.05%13.22%12.95%6.15%8.51%13.42%12.27%-67 bps
Net Interest Margin5.17%5.13%4.97%5.05%4.85%4.85%4.92%4.85%-20 bps
Efficiency Ratio53.88%52.57%52.79%52.75%58.51%56.26%52.33%52.53%-21 bps
Non-Interest Burden2.70%2.61%2.53%2.57%2.75%2.64%2.51%2.47%-10 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 / Loans0.54%0.54%1.00%0.68%7.84%4.63%3.18%5.00%+433 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.01%0.02%0.83%0.54%-0.01%0.16%+15 bps
Allowance / Loans1.36%1.26%1.36%1.38%1.45%1.30%1.31%1.29%-9 bps
Allowance Coverage of NPLs2.5x2.4x1.4x2.0x0.2x0.3x0.4x0.3x-1.8x
Capital
Tier 1 Leverage Ratio12.06%12.39%11.84%12.51%12.61%12.92%12.31%12.87%+36 bps
Total Risk-Based Capital17.84%17.27%17.83%18.63%18.33%17.62%17.55%17.70%-93 bps
Equity / Assets12.15%12.18%11.86%12.88%12.97%12.71%12.41%12.97%+9 bps
Liquidity & Funding
Loans / Deposits75.37%80.13%73.33%77.41%75.87%80.66%78.69%79.79%+238 bps
Liquid Assets / Assets14.48%12.68%11.29%11.02%11.01%10.37%9.30%8.67%-235 bps
CRE / Total Capitaln/an/an/an/a88.03%87.58%89.26%n/an/a