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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.35% | 0.31% | 0.25% | 0.25% | -2 bps | |
| Return on Equity | 1.79% | 2.28% | 2.07% | 1.72% | 1.79% | 0 bps | |
| Net Interest Margin | 3.95% | 4.03% | 3.98% | 3.96% | 4.06% | +11 bps | |
| Efficiency Ratio | 91.88% | 89.91% | 90.85% | 92.36% | 92.25% | +36 bps | |
| Non-Interest Burden | 3.60% | 3.59% | 3.59% | 3.65% | 3.74% | +13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.24% | 10.40% | 11.13% | 9.52% | 9.31% | -93 bps | |
| Loan Growth (YoY) | 12.33% | 12.50% | 9.03% | 8.79% | 7.34% | -499 bps | |
| Deposit Growth (YoY) | 21.97% | 17.01% | 15.24% | 13.28% | 9.51% | -1,247 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.18% | 0.11% | 0.12% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.63% | 1.57% | 1.58% | 1.57% | 1.52% | -11 bps | |
| Allowance Coverage of NPLs | 14.6x | 6.0x | 8.9x | 14.6x | 12.4x | -2.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.22% | 15.03% | 14.79% | 14.23% | 14.16% | -106 bps | |
| Total Risk-Based Capital | 22.58% | 21.98% | 22.07% | 22.12% | 21.18% | -141 bps | |
| Equity / Assets | 15.18% | 14.90% | 14.51% | 14.04% | 14.15% | -102 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 110.23% | 112.86% | 108.25% | 103.93% | 108.05% | -218 bps | |
| Liquid Assets / Assets | 1.24% | 3.02% | 5.58% | 7.95% | 4.62% | +338 bps | |
| CRE / Total Capital | n/a | 14.16% | 14.74% | 14.76% | n/a | n/a | |