Norwood Young America, MN · Cert 1933 · Piesco Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (3 in holding)
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #82 of 125 inst. · $0.1B 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 | 0.96% | 1.16% | 1.04% | 1.32% | 1.44% | 1.47% | 1.46% | 1.58% | +26 bps | |
| Return on Equity | 10.82% | 12.41% | 11.02% | 14.03% | 14.83% | 14.91% | 14.83% | 15.94% | +191 bps | |
| Net Interest Margin | 3.11% | 3.46% | 3.38% | 4.02% | 3.81% | 4.08% | 3.97% | 4.30% | +28 bps | |
| Efficiency Ratio | 64.86% | 60.40% | 57.56% | 58.76% | 52.04% | 53.79% | 52.76% | 54.42% | -433 bps | |
| Non-Interest Burden | 1.84% | 1.91% | 1.78% | 2.18% | 1.80% | 2.02% | 1.92% | 2.19% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.22% | 10.43% | 7.71% | 1.83% | 1.97% | 8.46% | 2.26% | 2.64% | +81 bps | |
| Loan Growth (YoY) | 10.21% | 9.52% | 3.59% | 11.26% | 7.57% | 5.29% | 5.58% | 0.63% | -1,063 bps | |
| Deposit Growth (YoY) | 5.32% | 10.56% | 13.14% | 6.07% | 6.54% | 8.07% | 1.66% | 2.27% | -380 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.68% | 3.90% | 5.33% | 3.53% | 3.48% | 3.55% | 3.29% | 3.42% | -12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.31% | 0.00% | 0.00% | 0.00% | 0.00% | +31 bps | |
| Allowance / Loans | 1.22% | 1.17% | 1.24% | 1.29% | 1.35% | 1.36% | 1.36% | 1.40% | +11 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.2x | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.60% | 7.95% | 7.81% | 7.82% | 7.89% | 8.02% | 7.95% | 8.10% | +28 bps | |
| Total Risk-Based Capital | 15.71% | 15.91% | 15.51% | 15.44% | 16.54% | 16.68% | 16.38% | 16.55% | +110 bps | |
| Equity / Assets | 9.15% | 9.60% | 9.27% | 9.60% | 9.87% | 9.86% | 9.86% | 9.95% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.23% | 56.52% | 54.52% | 57.10% | 55.76% | 55.06% | 56.63% | 56.18% | -91 bps | |
| Liquid Assets / Assets | 23.05% | 18.26% | 22.82% | 20.29% | 20.40% | 22.47% | 21.56% | 19.78% | -51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 79.43% | 73.62% | 75.64% | n/a | n/a | |