Hulett, WY · Cert 25054 · Mode Eleven Bcorp
National charter · OCC · 3 branches
Q2 2026
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 | -3.46% | -5.69% | -6.19% | -4.88% | -4.88% | -4.58% | -0.63% | -2.20% | +268 bps | |
| Return on Equity | -43.99% | -79.41% | -164.32% | -141.84% | -153.67% | -155.11% | -30.55% | -101.58% | +4,027 bps | |
| Net Interest Margin | 3.02% | 2.88% | 2.29% | 2.58% | 2.53% | 2.53% | 1.99% | 2.08% | -50 bps | |
| Efficiency Ratio | 218% | 293% | 351% | 276% | 292% | 290% | 214% | 233% | -4,339 bps | |
| Non-Interest Burden | 6.84% | 8.79% | 8.38% | 7.66% | 7.73% | 7.69% | 4.43% | 5.10% | -256 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.43% | -15.08% | -10.50% | -6.75% | -11.52% | -20.24% | -22.70% | -24.56% | -1,781 bps | |
| Loan Growth (YoY) | -8.07% | -9.28% | -4.49% | -11.59% | -11.28% | -10.99% | -16.21% | -20.73% | -914 bps | |
| Deposit Growth (YoY) | -20.09% | -12.64% | -7.36% | -1.37% | -6.61% | -16.59% | -20.14% | -24.18% | -2,281 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.26% | 0.51% | 0.46% | 0.48% | 0.44% | 0.45% | 0.46% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.02% | -0.03% | -0.02% | -2 bps | |
| Allowance / Loans | 1.84% | 1.90% | 1.98% | 2.02% | 2.06% | 2.12% | 1.52% | 1.64% | -38 bps | |
| Allowance Coverage of NPLs | 7.1x | 7.2x | 3.8x | 4.4x | 4.3x | 4.8x | 3.4x | 3.5x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.04% | 4.65% | 3.96% | 3.31% | 2.76% | 2.13% | 2.54% | 2.46% | -85 bps | |
| Total Risk-Based Capital | 15.71% | 10.42% | 8.96% | 7.50% | 6.61% | 5.17% | 6.11% | 6.07% | -144 bps | |
| Equity / Assets | 7.22% | 4.12% | 3.41% | 2.74% | 2.34% | 1.87% | 2.25% | 2.40% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.60% | 51.63% | 50.17% | 50.00% | 49.96% | 55.10% | 52.64% | 52.28% | +228 bps | |
| Liquid Assets / Assets | 24.86% | 27.78% | 30.96% | 33.97% | 33.57% | 26.05% | 27.53% | 26.23% | -774 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 409% | 580% | 450% | n/a | n/a | |