Rochester, MN · Cert 26755
State charter, non-member · FDIC · 4 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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
87
Profitability
29
Liquidity
0
Efficiency
7
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.
Rochester, MN · Cert 26755
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 0.2% share · #34 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 | 0.05% | 0.07% | 0.11% | 0.27% | 0.35% | 0.31% | 0.25% | 0.25% | -2 bps | |
| Return on Equity | 0.28% | 0.44% | 0.69% | 1.79% | 2.28% | 2.07% | 1.72% | 1.79% | 0 bps | |
| Net Interest Margin | 3.88% | 3.85% | 3.69% | 3.95% | 4.03% | 3.98% | 3.96% | 4.06% | +11 bps | |
| Efficiency Ratio | 98.59% | 97.83% | 96.62% | 91.88% | 89.91% | 90.85% | 92.36% | 92.25% | +36 bps | |
| Non-Interest Burden | 3.82% | 3.76% | 3.55% | 3.60% | 3.59% | 3.59% | 3.65% | 3.74% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.17% | 5.26% | 7.95% | 10.24% | 10.40% | 11.13% | 9.52% | 9.31% | -93 bps | |
| Loan Growth (YoY) | 3.65% | 5.47% | 5.35% | 12.33% | 12.50% | 9.03% | 8.79% | 7.34% | -499 bps | |
| Deposit Growth (YoY) | 2.78% | 13.12% | 15.71% | 21.97% | 17.01% | 15.24% | 13.28% | 9.51% | -1,247 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.12% | 0.12% | 0.11% | 0.26% | 0.18% | 0.11% | 0.12% | +1 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.77% | 1.72% | 1.71% | 1.63% | 1.57% | 1.58% | 1.57% | 1.52% | -11 bps | |
| Allowance Coverage of NPLs | 14.6x | 14.1x | 14.6x | 14.6x | 6.0x | 8.9x | 14.6x | 12.4x | -2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.36% | 15.98% | 15.34% | 15.22% | 15.03% | 14.79% | 14.23% | 14.16% | -106 bps | |
| Total Risk-Based Capital | 23.78% | 23.37% | 23.01% | 22.58% | 21.98% | 22.07% | 22.12% | 21.18% | -141 bps | |
| Equity / Assets | 16.18% | 15.84% | 15.06% | 15.18% | 14.90% | 14.51% | 14.04% | 14.15% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.39% | 114.42% | 108.22% | 110.23% | 112.86% | 108.25% | 103.93% | 108.05% | -218 bps | |
| Liquid Assets / Assets | 1.02% | 0.79% | 5.55% | 1.24% | 3.02% | 5.58% | 7.95% | 4.62% | +338 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 14.16% | 14.74% | 14.76% | n/a | n/a | |
Rochester, MN · Cert 26755 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.25%
Rank 683 of 746
Net Interest Margin
4.06%
Rank 223 of 746
Efficiency Ratio
92.25%
Rank 697 of 746
Equity / Assets
14.15%
Rank 135 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.25% | 0.72% | 1.06% | 1.45% | Beats 8% | 683 / 746 | ||
| Return on Equity | 1.78% | 6.74% | 10.51% | 13.63% | Beats 8% | 690 / 746 | ||
| Net Interest Margin | 4.06% | 3.17% | 3.68% | 4.16% | Beats 70% | 223 / 746 | ||
| Efficiency Ratio | 92.25% | 55.74% | 64.58% | 75.47% | Beats 7% | 697 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.42% | 1.07% | Beats 73% | 201 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.92% | 11.55% | 13.75% | 17.60% | Beats 83% | 129 / 746 | ||
| Total Risk-Based Capital Ratio | 21.18% | 11.71% | 14.33% | 18.43% | Beats 83% | 124 / 746 | ||
| Equity / Assets | 14.15% | 8.90% | 10.51% | 13.06% | Beats 82% | 135 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 108.05% | 61.31% | 78.27% | 90.78% | 96th pctl | 32 / 746 | ||
| Loans / Assets | 90.02% | 53.60% | 66.97% | 76.08% | 99th pctl | 9 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||