Fairmont, MN · Cert 33131 · 215 Holding Co.
National charter · OCC · 2 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 in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
48
Profitability
46
Liquidity
0
Efficiency
44
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.
Fairmont, MN · Cert 33131 · 215 Holding Co.
National charter · OCC · 5 affiliate banks · 2 branches (24 in holding)
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #115 of 125 inst. · $0.0B of $253.2B
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 | 0.62% | 0.62% | 0.65% | 0.72% | 0.71% | 0.75% | 0.96% | 1.02% | +31 bps | |
| Return on Equity | 6.72% | 6.71% | 6.89% | 7.45% | 7.38% | 7.85% | 10.13% | 10.68% | +324 bps | |
| Net Interest Margin | 3.51% | 3.45% | 3.57% | 3.81% | 3.78% | 3.67% | 3.86% | 4.07% | +26 bps | |
| Efficiency Ratio | 71.30% | 70.70% | 70.79% | 69.26% | 68.26% | 67.48% | 62.95% | 62.89% | -637 bps | |
| Non-Interest Burden | 2.45% | 2.39% | 2.48% | 2.57% | 2.51% | 2.40% | 2.36% | 2.47% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.05% | -1.67% | -1.06% | -4.57% | -2.74% | 5.20% | 8.32% | 7.22% | +1,179 bps | |
| Loan Growth (YoY) | 5.81% | 0.55% | 1.67% | -3.77% | -0.66% | 4.82% | 9.54% | 7.32% | +1,109 bps | |
| Deposit Growth (YoY) | -4.33% | -2.73% | 8.55% | 5.54% | 4.87% | 9.39% | 7.83% | 4.05% | -150 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.21% | 0.21% | 0.24% | 0.20% | 0.17% | 0.34% | 0.06% | -17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.04% | 0.37% | 0.20% | +19 bps | |
| Allowance / Loans | 1.27% | 1.34% | 1.32% | 1.31% | 1.33% | 1.32% | 1.16% | 1.19% | -12 bps | |
| Allowance Coverage of NPLs | 6.3x | 6.3x | 6.3x | 5.5x | 6.8x | 7.6x | 3.4x | 18.7x | +13.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.33% | 10.13% | 10.22% | 11.03% | 10.73% | 10.42% | 10.07% | 10.59% | -44 bps | |
| Total Risk-Based Capital | 13.07% | 13.71% | 13.57% | 13.42% | 13.17% | 13.34% | 12.64% | 13.04% | -39 bps | |
| Equity / Assets | 9.23% | 9.32% | 9.66% | 9.89% | 9.65% | 9.33% | 9.52% | 9.92% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.63% | 95.29% | 97.52% | 97.93% | 97.22% | 91.31% | 99.07% | 101.02% | +309 bps | |
| Liquid Assets / Assets | 5.89% | 10.10% | 4.14% | 3.43% | 4.75% | 9.77% | 2.97% | 3.20% | -23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 231% | 211% | 229% | n/a | n/a | |
Fairmont, MN · Cert 33131 · Peer group: banks under $1B in assets in MN (n=111-113) · 215 Holding Co.
National charter · OCC · 5 affiliate banks · 2 branches (24 in holding)
Q2 2026
Return on Assets
1.03%
Rank 69 of 113
Net Interest Margin
4.07%
Rank 44 of 113
Efficiency Ratio
62.89%
Rank 64 of 113
Equity / Assets
9.92%
Rank 62 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 0.87% | 1.20% | 1.41% | Beats 39% | 69 / 113 | ||
| Return on Equity | 10.43% | 8.92% | 11.27% | 13.99% | Beats 39% | 69 / 113 | ||
| Net Interest Margin | 4.07% | 3.42% | 3.88% | 4.31% | Beats 61% | 44 / 113 | ||
| Efficiency Ratio | 62.89% | 54.13% | 61.48% | 69.86% | Beats 44% | 64 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.09% | 0.58% | 1.82% | Beats 79% | 24 / 111 | ||
| Net Charge-Offs / Loans | 0.10% | n/a | 0.00% | 0.04% | Beats 17% | 93 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.91% | 11.53% | 13.31% | 18.13% | Beats 32% | 77 / 113 | ||
| Total Risk-Based Capital Ratio | 13.04% | 12.12% | 14.43% | 19.39% | Beats 38% | 70 / 113 | ||
| Equity / Assets | 9.92% | 8.52% | 10.10% | 11.94% | Beats 45% | 62 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.02% | 62.08% | 77.32% | 88.06% | 90th pctl | 11 / 111 | ||
| Loans / Assets | 82.97% | 55.01% | 66.35% | 75.50% | 88th pctl | 13 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||