Baxter, MN · Cert 26499 · American Bcorp of MN Inc.
National charter · OCC · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
40
Profitability
45
Liquidity
0
Efficiency
39
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Baxter, MN · Cert 26499 · American Bcorp of MN Inc.
National charter · OCC · 10 branches
Q2 2026
Market Position · St. Cloud, MN · 2026 SOD (annual) · 0.5% share · #26 of 32 inst. · $0.0B of $7.9B
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 | 0.89% | 0.90% | 0.77% | 0.90% | 1.02% | 0.96% | 1.14% | 1.12% | +23 bps | |
| Return on Equity | 9.51% | 9.65% | 8.17% | 9.50% | 10.63% | 9.84% | 10.94% | 10.69% | +119 bps | |
| Net Interest Margin | 3.57% | 3.54% | 3.48% | 3.62% | 3.74% | 3.83% | 3.85% | 3.88% | +26 bps | |
| Efficiency Ratio | 69.34% | 68.73% | 77.20% | 71.35% | 68.35% | 69.91% | 64.40% | 65.04% | -632 bps | |
| Non-Interest Burden | 2.41% | 2.37% | 2.63% | 2.51% | 2.48% | 2.61% | 2.41% | 2.46% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.74% | 4.38% | 4.20% | 5.81% | 2.10% | -0.54% | -2.28% | -2.65% | -847 bps | |
| Loan Growth (YoY) | 7.08% | 6.27% | 3.85% | 3.71% | -0.75% | -4.22% | -2.80% | -8.12% | -1,182 bps | |
| Deposit Growth (YoY) | 1.84% | 4.38% | 3.42% | 6.58% | 0.24% | -3.37% | -4.28% | -2.62% | -920 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.72% | 0.77% | 0.98% | 1.02% | 1.20% | 1.35% | 1.00% | +1 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.02% | 0.01% | 0.09% | 0.07% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.25% | 1.28% | 1.25% | 1.27% | 1.23% | 1.29% | 1.27% | 1.34% | +7 bps | |
| Allowance Coverage of NPLs | 4.0x | 1.8x | 1.6x | 1.3x | 1.2x | 1.1x | 0.9x | 1.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.70% | 9.69% | 9.54% | 9.70% | 9.99% | 10.38% | 10.49% | 10.85% | +115 bps | |
| Total Risk-Based Capital | 13.40% | 12.97% | 12.93% | 13.56% | 13.58% | 14.03% | 14.11% | 15.58% | +201 bps | |
| Equity / Assets | 9.37% | 9.41% | 9.38% | 9.50% | 9.97% | 10.37% | 10.49% | 10.72% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.76% | 118.89% | 117.62% | 117.87% | 119.57% | 117.84% | 119.45% | 111.22% | -665 bps | |
| Liquid Assets / Assets | 1.11% | 0.78% | 0.62% | 0.46% | 0.41% | 0.37% | 0.27% | 0.11% | -36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 365% | 352% | 361% | n/a | n/a | |
Baxter, MN · Cert 26499 · Peer group: banks under $1B in assets in MN (n=111-113) · American Bcorp of MN Inc.
National charter · OCC · 10 branches
Q2 2026
Return on Assets
1.12%
Rank 62 of 113
Net Interest Margin
3.88%
Rank 57 of 113
Efficiency Ratio
65.04%
Rank 70 of 113
Equity / Assets
10.72%
Rank 49 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.87% | 1.20% | 1.41% | Beats 45% | 62 / 113 | ||
| Return on Equity | 10.48% | 8.92% | 11.27% | 13.99% | Beats 40% | 68 / 113 | ||
| Net Interest Margin | 3.88% | 3.42% | 3.88% | 4.31% | Beats 50% | 57 / 113 | ||
| Efficiency Ratio | 65.04% | 54.13% | 61.48% | 69.86% | Beats 39% | 70 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.00% | 0.09% | 0.58% | 1.82% | Beats 38% | 70 / 111 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.04% | Beats 41% | 67 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.32% | 11.53% | 13.31% | 18.13% | Beats 58% | 48 / 113 | ||
| Total Risk-Based Capital Ratio | 15.58% | 12.12% | 14.43% | 19.39% | Beats 59% | 46 / 113 | ||
| Equity / Assets | 10.72% | 8.52% | 10.10% | 11.94% | Beats 57% | 49 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 111.22% | 62.08% | 77.32% | 88.06% | 95th pctl | 5 / 111 | ||
| Loans / Assets | 81.69% | 55.01% | 66.35% | 75.50% | 85th pctl | 17 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||