Worthington, MN · Cert 29426
State savings bank · OCC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 1.71% | 0.20% | 0.61% | 0.62% | +33 bps | |
| Return on Equity | 2.19% | 12.38% | 1.36% | 4.19% | 4.23% | +204 bps | |
| Net Interest Margin | 2.41% | 2.36% | 2.78% | 2.83% | 2.72% | +31 bps | |
| Efficiency Ratio | 83.23% | 48.65% | 75.10% | 63.73% | 70.28% | -1,296 bps | |
| Non-Interest Burden | 1.99% | 0.52% | 2.15% | 1.86% | 1.83% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.04% | 27.40% | 29.38% | 28.96% | 27.34% | +2,530 bps | |
| Loan Growth (YoY) | 4.80% | 25.45% | 25.05% | 26.04% | 20.08% | +1,528 bps | |
| Deposit Growth (YoY) | 2.19% | 27.78% | 29.46% | 31.03% | 30.04% | +2,785 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.34% | 0.43% | 0.40% | 0.65% | +34 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.55% | 0.56% | 0.58% | 0.59% | 0.60% | +5 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.7x | 1.3x | 1.5x | 0.9x | -0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.89% | 15.52% | 14.76% | 14.43% | 14.83% | +93 bps | |
| Total Risk-Based Capital | 32.96% | 32.98% | 32.65% | 31.12% | 31.89% | -107 bps | |
| Equity / Assets | 12.99% | 14.52% | 14.64% | 14.44% | 14.65% | +167 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.92% | 82.81% | 82.40% | 79.80% | 78.41% | -651 bps | |
| Liquid Assets / Assets | 11.30% | 9.68% | 9.27% | 10.26% | 8.22% | -308 bps | |
| CRE / Total Capital | n/a | 10.28% | 7.98% | 8.02% | n/a | n/a | |