Elko New Market, MN · Cert 1931 · Market Bcorp Inc.
State charter, non-member · FDIC · 3 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 the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
100
Profitability
61
Liquidity
45
Efficiency
38
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.
Elko New Market, MN · Cert 1931 · Market Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #73 of 125 inst. · $0.2B of $253.2B
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 | 0.74% | 0.75% | 0.83% | 0.97% | 0.81% | 0.87% | 1.06% | 1.13% | +16 bps | |
| Return on Equity | 10.01% | 10.10% | 10.50% | 11.98% | 9.87% | 10.53% | 12.40% | 13.10% | +112 bps | |
| Net Interest Margin | 3.33% | 3.66% | 3.70% | 3.74% | 3.90% | 3.88% | 4.12% | 4.16% | +42 bps | |
| Efficiency Ratio | 74.08% | 73.74% | 73.38% | 71.31% | 70.90% | 70.34% | 70.06% | 67.62% | -369 bps | |
| Non-Interest Burden | 2.28% | 2.49% | 2.52% | 2.42% | 2.52% | 2.47% | 2.67% | 2.56% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.09% | -3.66% | -2.85% | -0.35% | 2.84% | 5.49% | 2.05% | 3.68% | +403 bps | |
| Loan Growth (YoY) | -1.71% | -2.59% | -2.15% | -2.91% | 2.34% | 1.94% | 1.76% | 5.72% | +863 bps | |
| Deposit Growth (YoY) | -3.50% | -0.57% | 6.20% | 4.57% | 2.08% | 4.73% | 1.34% | 3.29% | -128 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | -0.04% | -0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.23% | 1.23% | 1.25% | 1.27% | 1.28% | 1.28% | 1.29% | 1.27% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.37% | 8.90% | 8.84% | 8.87% | 8.70% | 8.83% | 8.88% | 9.11% | +23 bps | |
| Total Risk-Based Capital | 15.26% | 14.78% | 14.82% | 15.10% | 13.86% | 14.12% | 15.06% | 14.25% | -85 bps | |
| Equity / Assets | 8.33% | 7.91% | 7.95% | 8.45% | 8.46% | 8.54% | 8.53% | 8.74% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.61% | 67.70% | 64.74% | 64.95% | 68.79% | 65.89% | 65.01% | 66.48% | +153 bps | |
| Liquid Assets / Assets | 6.56% | 8.02% | 11.91% | 11.96% | 8.79% | 12.20% | 12.35% | 10.14% | -182 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 297% | 291% | 279% | n/a | n/a | |
Elko New Market, MN · Cert 1931 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Market Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.11%
Rank 27 of 53
Net Interest Margin
4.16%
Rank 11 of 53
Efficiency Ratio
67.62%
Rank 34 of 53
Equity / Assets
8.74%
Rank 31 of 53
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.73% | 1.11% | 1.30% | Beats 49% | 27 / 53 | ||
| Return on Equity | 12.74% | 7.88% | 12.20% | 14.12% | Beats 55% | 24 / 53 | ||
| Net Interest Margin | 4.16% | 3.39% | 3.77% | 4.09% | Beats 79% | 11 / 53 | ||
| Efficiency Ratio | 67.62% | 56.05% | 65.05% | 71.57% | Beats 38% | 34 / 53 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.14% | 0.52% | 1.20% | Beats 100% | 3 / 53 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.08% | Beats 100% | 13 / 53 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.07% | 10.73% | 12.98% | 15.08% | Beats 51% | 26 / 53 | ||
| Total Risk-Based Capital Ratio | 14.25% | 11.49% | 13.79% | 16.34% | Beats 57% | 23 / 53 | ||
| Equity / Assets | 8.74% | 8.08% | 9.25% | 10.72% | Beats 42% | 31 / 53 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.48% | 72.13% | 82.29% | 93.80% | 19th pctl | 43 / 53 | ||
| Loans / Assets | 60.22% | 63.64% | 71.80% | 79.37% | 21st pctl | 42 / 53 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||