Alma, WI · Cert 26689 · Dairyland Bank Holding Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 0.4% share · #30 of 34 inst. · $0.0B of $7.6B
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 | 2.96% | 3.04% | 3.49% | 3.28% | 3.63% | 3.49% | 3.29% | 3.16% | -13 bps | |
| Return on Equity | 6.05% | 6.21% | 7.11% | 6.67% | 7.34% | 7.03% | 6.57% | 6.28% | -39 bps | |
| Net Interest Margin | 4.76% | 4.62% | 4.67% | 4.68% | 4.86% | 4.80% | 4.44% | 4.28% | -40 bps | |
| Efficiency Ratio | 17.08% | 15.07% | 10.99% | 15.62% | 11.07% | 11.63% | 11.70% | 12.03% | -359 bps | |
| Non-Interest Burden | 0.75% | 0.63% | 0.47% | 0.68% | 0.48% | 0.47% | 0.48% | 0.44% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.61% | 3.44% | 5.76% | 7.42% | 6.66% | 5.40% | 5.17% | 4.38% | -304 bps | |
| Loan Growth (YoY) | -3.93% | -2.73% | -3.64% | -6.78% | -4.56% | 1.09% | 3.28% | 11.79% | +1,857 bps | |
| Deposit Growth (YoY) | -7.11% | 0.14% | 5.00% | 9.21% | 6.29% | 3.82% | 3.74% | 1.77% | -744 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.08% | 0.91% | 0.91% | 1.39% | 1.74% | 1.87% | 0.79% | 0.97% | -42 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.52% | 1.51% | 1.51% | 1.63% | 1.60% | 1.49% | 1.47% | 1.46% | -17 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.6x | 1.7x | 1.2x | 0.9x | 0.8x | 1.9x | 1.5x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 49.89% | 50.06% | 49.32% | 49.68% | 49.94% | 50.79% | 50.00% | 50.77% | +109 bps | |
| Total Risk-Based Capital | 49.89% | 50.06% | 49.32% | 49.68% | 49.94% | 50.79% | 50.00% | 79.15% | +2,948 bps | |
| Equity / Assets | 49.97% | 49.08% | 49.08% | 49.45% | 50.33% | 49.96% | 50.00% | 50.73% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 126.90% | 121.90% | 119.43% | 110.39% | 113.94% | 118.70% | 118.91% | 121.25% | +1,086 bps | |
| Liquid Assets / Assets | 35.69% | 36.78% | 38.25% | 42.68% | 42.21% | 39.47% | 39.63% | 38.86% | -382 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 78.01% | 76.59% | 80.89% | n/a | n/a | |