Wanda, MN · Cert 1908
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.70% | 0.62% | 0.81% | 0.85% | +30 bps | |
| Return on Equity | 4.39% | 5.78% | 5.16% | 7.15% | 7.37% | +298 bps | |
| Net Interest Margin | 2.74% | 2.77% | 2.76% | 2.96% | 3.02% | +28 bps | |
| Efficiency Ratio | 63.74% | 59.72% | 58.06% | 56.46% | 55.17% | -857 bps | |
| Non-Interest Burden | 1.79% | 1.76% | 1.71% | 1.84% | 1.84% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.78% | 26.24% | 27.89% | 26.10% | 4.02% | -1,975 bps | |
| Loan Growth (YoY) | 28.01% | 26.17% | 31.19% | 27.50% | 3.75% | -2,425 bps | |
| Deposit Growth (YoY) | 26.54% | 29.70% | 30.19% | 28.73% | 3.60% | -2,294 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.77% | 0.44% | 0.58% | 1.12% | +103 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.61% | 1.62% | 1.71% | 1.75% | 1.74% | +13 bps | |
| Allowance Coverage of NPLs | 18.2x | 2.1x | 3.9x | 3.0x | 1.6x | -16.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.44% | 11.90% | 11.70% | 11.65% | 12.12% | -32 bps | |
| Total Risk-Based Capital | 12.44% | 11.90% | 11.70% | 11.65% | 12.12% | -32 bps | |
| Equity / Assets | 11.43% | 11.43% | 11.44% | 11.26% | 11.86% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.82% | 65.94% | 68.71% | 66.34% | 68.92% | +10 bps | |
| Liquid Assets / Assets | 1.44% | 2.25% | 4.97% | 5.13% | 6.80% | +536 bps | |
| CRE / Total Capital | n/a | 14.88% | 15.72% | 15.22% | n/a | n/a | |