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 (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 | 1.01% | 0.82% | 0.83% | 1.10% | 0.48% | 1.06% | 1.06% | 1.19% | +10 bps | |
| Return on Equity | 12.88% | 10.07% | 10.50% | 13.39% | 5.65% | 12.51% | 12.40% | 13.83% | +44 bps | |
| Net Interest Margin | 3.67% | 3.84% | 3.70% | 3.87% | 4.01% | 4.00% | 4.12% | 4.23% | +36 bps | |
| Efficiency Ratio | 68.07% | 72.76% | 73.38% | 69.46% | 70.08% | 68.74% | 70.06% | 65.32% | -415 bps | |
| Non-Interest Burden | 2.19% | 2.58% | 2.52% | 2.39% | 2.57% | 2.47% | 2.67% | 2.47% | +9 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% | -0.10% | 0.00% | 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 | |