Maplewood, MN · Cert 21714 · PB Bancshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.4% share · #17 of 125 inst. · $1.0B 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 | 1.36% | 1.39% | 1.58% | 1.55% | 1.65% | 1.66% | 1.98% | 1.95% | +40 bps | |
| Return on Equity | 14.44% | 14.84% | 16.44% | 15.93% | 16.71% | 16.83% | 20.18% | 20.03% | +410 bps | |
| Net Interest Margin | 3.33% | 3.33% | 3.59% | 3.74% | 3.87% | 3.85% | 4.19% | 4.35% | +61 bps | |
| Efficiency Ratio | 48.10% | 47.93% | 43.42% | 45.03% | 43.11% | 43.34% | 37.53% | 39.65% | -538 bps | |
| Non-Interest Burden | 1.38% | 1.38% | 1.37% | 1.49% | 1.46% | 1.47% | 1.34% | 1.50% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.39% | 7.69% | 0.47% | 0.91% | -0.04% | 0.89% | 8.39% | 8.60% | +768 bps | |
| Loan Growth (YoY) | 7.71% | 3.23% | 1.27% | -2.83% | -1.41% | 1.37% | 7.17% | 8.33% | +1,116 bps | |
| Deposit Growth (YoY) | 8.24% | 10.46% | 1.13% | 1.68% | -0.06% | 0.43% | 10.53% | 11.55% | +987 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.07% | 1.27% | 0.09% | 0.08% | 0.05% | 0.00% | 0.00% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | -0.05% | -0.02% | -2 bps | |
| Allowance / Loans | 1.40% | 1.41% | 1.42% | 1.43% | 1.41% | 1.40% | 1.40% | 1.40% | -4 bps | |
| Allowance Coverage of NPLs | 18.3x | 21.4x | 1.1x | 16.8x | 17.9x | 26.6x | 447.5x | 499.1x | +482.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.32% | 10.09% | 10.50% | 10.38% | 10.94% | 10.37% | 10.13% | 10.24% | -15 bps | |
| Total Risk-Based Capital | 13.39% | 13.72% | 14.33% | 14.18% | 14.40% | 13.92% | 14.05% | 13.74% | -45 bps | |
| Equity / Assets | 9.65% | 9.16% | 10.11% | 9.89% | 10.45% | 9.70% | 9.87% | 9.57% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.14% | 85.04% | 89.19% | 87.84% | 89.91% | 85.84% | 86.48% | 85.30% | -254 bps | |
| Liquid Assets / Assets | 5.27% | 10.45% | 7.42% | 8.26% | 6.95% | 10.02% | 7.85% | 8.89% | +63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 532% | 543% | 552% | n/a | n/a | |