Oldham, SD · Cert 25894 · Fulda Bcorp Inc.
National charter · OCC · 12 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #114 of 125 inst. · $0.0B 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 | 1.59% | 2.25% | 2.18% | 2.22% | 2.01% | 1.95% | 2.26% | 2.07% | -14 bps | |
| Return on Equity | 12.45% | 17.19% | 16.26% | 15.75% | 13.55% | 12.79% | 13.78% | 11.65% | -410 bps | |
| Net Interest Margin | 8.46% | 8.42% | 8.17% | 7.99% | 7.98% | 8.00% | 7.46% | 7.54% | -45 bps | |
| Efficiency Ratio | 41.15% | 40.11% | 40.75% | 42.47% | 42.50% | 43.77% | 44.74% | 46.70% | +423 bps | |
| Non-Interest Burden | 1.64% | 1.42% | 1.47% | 1.66% | 1.57% | 1.88% | 1.80% | 2.07% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.43% | 2.50% | 2.59% | 0.83% | 1.57% | 2.36% | 5.33% | 6.31% | +548 bps | |
| Loan Growth (YoY) | 2.68% | 1.78% | 5.09% | 2.81% | -0.86% | -0.74% | 0.89% | 3.15% | +34 bps | |
| Deposit Growth (YoY) | 4.48% | 3.36% | 2.62% | 0.33% | 1.24% | -0.22% | 0.61% | 1.43% | +110 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.16% | 1.15% | 1.29% | 2.36% | 2.54% | 2.18% | 2.12% | 2.01% | -35 bps | |
| Net Charge-Offs / Loans | 6.75% | 7.08% | 6.66% | 7.17% | 5.42% | 5.09% | 4.94% | 4.24% | -293 bps | |
| Allowance / Loans | 8.57% | 8.06% | 7.74% | 7.17% | 7.15% | 6.87% | 6.47% | 6.27% | -90 bps | |
| Allowance Coverage of NPLs | 7.4x | 7.0x | 6.0x | 3.0x | 2.8x | 3.1x | 3.1x | 3.1x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.80% | 14.20% | 14.49% | 15.07% | 15.79% | 16.16% | 18.30% | 18.41% | +334 bps | |
| Total Risk-Based Capital | 18.61% | 18.92% | 19.15% | 19.74% | 20.59% | 20.73% | 24.01% | 24.12% | +437 bps | |
| Equity / Assets | 13.10% | 13.12% | 13.65% | 14.49% | 15.14% | 15.29% | 17.48% | 18.11% | +362 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.97% | 94.62% | 93.01% | 95.02% | 93.98% | 94.14% | 93.26% | 96.64% | +161 bps | |
| Liquid Assets / Assets | 4.89% | 4.82% | 6.14% | 3.84% | 5.30% | 3.90% | 7.09% | 2.61% | -124 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 187.68% | 185.74% | 156.97% | n/a | n/a | |