Trimont, MN · Cert 1929 · FSB Holding Co. Inc.
State charter, non-member · FDIC · 2 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 | 1.27% | 0.60% | 1.55% | 0.49% | 1.22% | 0.79% | -1.83% | 1.18% | +69 bps | |
| Return on Equity | 9.53% | 4.55% | 11.80% | 3.44% | 8.20% | 5.29% | -12.49% | 7.85% | +442 bps | |
| Net Interest Margin | 3.38% | 2.79% | 3.04% | 3.14% | 2.81% | 3.27% | 3.40% | 3.32% | +18 bps | |
| Efficiency Ratio | 54.38% | 73.68% | 49.47% | 68.47% | 51.83% | 71.41% | 47.13% | 60.20% | -826 bps | |
| Non-Interest Burden | 1.68% | 1.98% | 1.32% | 2.01% | 1.27% | 2.25% | 1.34% | 1.83% | -18 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 | -0.42% | -0.02% | -0.01% | 0.05% | 0.35% | -0.07% | 7.83% | -0.20% | -26 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 | |