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 (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 | 1.18% | 0.94% | 0.77% | 1.02% | 1.25% | 0.76% | 1.14% | 1.11% | +9 bps | |
| Return on Equity | 12.59% | 10.00% | 8.17% | 10.86% | 12.87% | 7.49% | 10.94% | 10.50% | -35 bps | |
| Net Interest Margin | 3.81% | 3.72% | 3.48% | 3.79% | 4.00% | 3.96% | 3.85% | 3.90% | +12 bps | |
| Efficiency Ratio | 62.40% | 67.01% | 77.20% | 66.07% | 62.84% | 74.47% | 64.40% | 65.66% | -41 bps | |
| Non-Interest Burden | 2.30% | 2.43% | 2.63% | 2.40% | 2.43% | 2.90% | 2.41% | 2.50% | +10 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 | -0.02% | -0.01% | 0.02% | 0.00% | 0.25% | -0.01% | 0.01% | 0.01% | +1 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 | |