Trimont, MN · Cert 1929 · FSB Holding Co. Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
18
Profitability
9
Liquidity
79
Efficiency
78
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Trimont, MN · Cert 1929 · FSB Holding Co. Inc.
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 0.95% | 1.55% | 1.02% | 1.09% | 1.01% | -1.83% | -0.35% | -137 bps | |
| Return on Equity | 8.44% | 7.51% | 11.80% | 7.54% | 7.76% | 7.14% | -12.49% | -2.33% | -988 bps | |
| Net Interest Margin | 3.09% | 3.04% | 3.04% | 3.14% | 3.02% | 3.04% | 3.40% | 3.44% | +30 bps | |
| Efficiency Ratio | 59.40% | 62.64% | 49.47% | 59.02% | 56.77% | 60.60% | 47.13% | 53.38% | -564 bps | |
| Non-Interest Burden | 1.69% | 1.77% | 1.32% | 1.69% | 1.55% | 1.70% | 1.34% | 1.62% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.44% | -3.43% | -5.84% | -5.02% | -3.87% | -4.04% | -2.41% | -1.84% | +318 bps | |
| Loan Growth (YoY) | -5.25% | -3.44% | -8.79% | -3.09% | 0.94% | -2.29% | 1.27% | -4.88% | -179 bps | |
| Deposit Growth (YoY) | -12.59% | -5.77% | -13.09% | -3.42% | -0.60% | -0.02% | 3.50% | -0.20% | +321 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.09% | 0.67% | 2.35% | 3.10% | 2.27% | 1.75% | 1.05% | -130 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.01% | 0.02% | 0.13% | 0.07% | 7.83% | 3.88% | +386 bps | |
| Allowance / Loans | 1.26% | 1.13% | 1.31% | 1.23% | 1.16% | 1.08% | 1.31% | 1.39% | +15 bps | |
| Allowance Coverage of NPLs | 11.2x | 12.0x | 1.9x | 0.5x | 0.4x | 0.5x | 0.8x | 1.3x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.58% | 16.41% | 16.54% | 17.28% | 17.47% | 16.89% | 16.35% | 17.43% | +16 bps | |
| Total Risk-Based Capital | 25.04% | 23.36% | 25.93% | 25.97% | 26.45% | 24.27% | 25.23% | 25.31% | -66 bps | |
| Equity / Assets | 14.07% | 12.33% | 14.04% | 14.46% | 15.36% | 14.50% | 14.85% | 15.25% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.06% | 80.61% | 74.18% | 74.50% | 75.21% | 78.78% | 72.58% | 71.00% | -349 bps | |
| Liquid Assets / Assets | 0.21% | 0.31% | 0.07% | 0.48% | 0.43% | 0.20% | 0.09% | 0.14% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 36.96% | 39.68% | 41.87% | n/a | n/a | |
Trimont, MN · Cert 1929 · Peer group: banks under $1B in assets in MN (n=111-113) · FSB Holding Co. Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
-0.35%
Rank 112 of 113
Net Interest Margin
3.44%
Rank 84 of 113
Efficiency Ratio
53.38%
Rank 26 of 113
Equity / Assets
15.25%
Rank 13 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.35% | 0.87% | 1.20% | 1.41% | Beats 1% | 112 / 113 | ||
| Return on Equity | -2.31% | 8.92% | 11.27% | 13.99% | Beats 1% | 112 / 113 | ||
| Net Interest Margin | 3.44% | 3.42% | 3.88% | 4.31% | Beats 26% | 84 / 113 | ||
| Efficiency Ratio | 53.38% | 54.13% | 61.48% | 69.86% | Beats 78% | 26 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.05% | 0.09% | 0.58% | 1.82% | Beats 35% | 73 / 111 | ||
| Net Charge-Offs / Loans | 2.08% | n/a | 0.00% | 0.04% | Beats 1% | 111 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.06% | 11.53% | 13.31% | 18.13% | Beats 86% | 16 / 113 | ||
| Total Risk-Based Capital Ratio | 25.31% | 12.12% | 14.43% | 19.39% | Beats 86% | 16 / 113 | ||
| Equity / Assets | 15.25% | 8.52% | 10.10% | 11.94% | Beats 88% | 13 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.00% | 62.08% | 77.32% | 88.06% | 37th pctl | 70 / 111 | ||
| Loans / Assets | 58.98% | 55.01% | 66.35% | 75.50% | 33rd pctl | 76 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||