Castle Rock, MN · Cert 1913
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #60 of 125 inst. · $0.2B of $253.2B
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 | 1.11% | 0.59% | 0.82% | 0.88% | 1.12% | 0.67% | 1.17% | 1.16% | +27 bps | |
| Return on Equity | 8.17% | 4.32% | 5.96% | 6.37% | 8.05% | 4.82% | 8.49% | 8.39% | +203 bps | |
| Net Interest Margin | 2.34% | 2.24% | 2.31% | 2.55% | 2.63% | 2.68% | 2.74% | 2.83% | +28 bps | |
| Efficiency Ratio | 42.40% | 61.20% | 51.72% | 52.81% | 44.80% | 65.32% | 44.62% | 45.64% | -717 bps | |
| Non-Interest Burden | 0.75% | 1.32% | 1.09% | 1.25% | 1.03% | 1.67% | 1.09% | 1.17% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.76% | -0.64% | 2.78% | 4.47% | 4.50% | 6.54% | 6.72% | 6.83% | +236 bps | |
| Loan Growth (YoY) | 8.48% | 8.72% | 8.27% | 5.34% | 5.64% | 5.87% | 7.06% | 4.59% | -75 bps | |
| Deposit Growth (YoY) | -3.01% | -1.02% | 2.52% | 5.13% | 4.21% | 5.91% | 6.82% | 5.93% | +80 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.02% | 0.08% | 0.09% | 0.01% | 0.05% | 0.17% | 0.01% | -8 bps | |
| Net Charge-Offs / Loans | -0.55% | 1.51% | -0.06% | 0.06% | 0.24% | 1.00% | -0.10% | 0.12% | +6 bps | |
| Allowance / Loans | 2.98% | 2.66% | 2.78% | 2.79% | 2.77% | 2.57% | 2.66% | 2.72% | -7 bps | |
| Allowance Coverage of NPLs | 6.6x | 136.2x | 33.1x | 31.3x | 253.5x | 47.8x | 15.5x | 238.5x | +207.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.19% | 14.11% | 14.13% | 14.24% | 14.21% | 13.99% | 13.97% | 14.19% | -5 bps | |
| Total Risk-Based Capital | 25.43% | 25.67% | 26.36% | 27.61% | 27.74% | 27.48% | 27.07% | 27.61% | 0 bps | |
| Equity / Assets | 13.69% | 13.73% | 13.68% | 14.01% | 13.93% | 13.83% | 13.61% | 13.92% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.86% | 52.62% | 51.87% | 53.38% | 52.57% | 52.59% | 51.99% | 52.71% | -68 bps | |
| Liquid Assets / Assets | 45.04% | 45.39% | 41.53% | 41.27% | 40.79% | 40.73% | 37.91% | 39.22% | -205 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 49.48% | 47.88% | 46.29% | n/a | n/a | |