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 (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 | 0.96% | 1.02% | 1.04% | 1.19% | 1.27% | 1.32% | 1.46% | 1.52% | +33 bps | |
| Return on Equity | 10.57% | 11.09% | 11.02% | 12.50% | 13.27% | 13.73% | 14.83% | 15.34% | +284 bps | |
| Net Interest Margin | 3.06% | 3.21% | 3.38% | 3.67% | 3.65% | 3.72% | 3.97% | 4.15% | +47 bps | |
| Efficiency Ratio | 63.60% | 62.74% | 57.56% | 58.21% | 56.07% | 55.45% | 52.76% | 53.62% | -460 bps | |
| Non-Interest Burden | 1.79% | 1.84% | 1.78% | 1.97% | 1.87% | 1.90% | 1.92% | 2.06% | +9 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 | 0.11% | 0.08% | 0.00% | -0.16% | -0.11% | -0.08% | 0.00% | 0.00% | +16 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 | |