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 | |