Jackson, MN · Cert 30492
FDIC · 1 branch
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.39% | -4.75% | -0.51% | -0.80% | -1.03% | -1.12% | 0.92% | -0.52% | +27 bps | |
| Return on Equity | -32.91% | -24.24% | -2.49% | -3.86% | -4.99% | -5.51% | 4.58% | -2.53% | +133 bps | |
| Net Interest Margin | 1.54% | 1.90% | 1.86% | 1.83% | 1.68% | 1.58% | 1.63% | 1.68% | -15 bps | |
| Efficiency Ratio | 117.76% | 116.56% | 121.05% | 134.59% | 146.86% | 155.50% | 82.12% | 117.83% | -1,676 bps | |
| Non-Interest Burden | 2.05% | 2.47% | 2.55% | 2.81% | 2.80% | 2.83% | 0.88% | 2.42% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.55% | -14.84% | -18.45% | -19.31% | -0.97% | -1.68% | -4.36% | -4.12% | +1,519 bps | |
| Loan Growth (YoY) | 0.81% | -0.06% | -0.87% | -0.73% | -4.04% | -4.55% | -2.38% | -2.26% | -153 bps | |
| Deposit Growth (YoY) | -2.86% | -1.17% | -5.22% | -6.56% | -2.65% | -0.35% | -5.25% | -4.90% | +166 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.17% | 0.17% | 1.44% | 3.28% | 0.39% | 0.41% | +24 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.98% | 0.95% | 0.96% | 0.97% | 0.98% | 0.99% | 0.98% | 1.00% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 5.7x | 5.7x | 0.7x | 0.3x | 2.5x | 2.4x | -3.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.68% | 25.19% | 24.36% | 24.55% | 23.60% | 22.65% | 24.69% | 24.80% | +25 bps | |
| Total Risk-Based Capital | 56.54% | 56.81% | 56.51% | 57.11% | 56.61% | 55.48% | 60.17% | 60.20% | +309 bps | |
| Equity / Assets | 19.39% | 20.36% | 20.53% | 20.91% | 20.73% | 19.30% | 21.10% | 21.40% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.67% | 64.54% | 65.82% | 67.52% | 64.74% | 61.82% | 67.82% | 69.39% | +187 bps | |
| Liquid Assets / Assets | 5.39% | 7.02% | 5.62% | 3.01% | 5.78% | 9.24% | 4.63% | 3.41% | +41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |