Hastings, MN · Cert 33204 · PB Family Bancshares Inc.
State charter, non-member · FDIC · 12 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
42
Asset Quality
71
Profitability
83
Liquidity
54
Efficiency
62
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.
Hastings, MN · Cert 33204 · PB Family Bancshares Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #52 of 125 inst. · $0.3B 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 | 1.07% | 1.14% | 1.30% | 1.23% | 1.33% | 1.32% | 1.57% | 1.51% | +29 bps | |
| Return on Equity | 11.52% | 12.09% | 12.90% | 12.01% | 12.81% | 12.65% | 15.56% | 15.22% | +321 bps | |
| Net Interest Margin | 3.39% | 3.49% | 3.78% | 3.86% | 3.91% | 3.92% | 4.39% | 4.43% | +58 bps | |
| Efficiency Ratio | 61.93% | 61.24% | 58.56% | 59.93% | 58.27% | 59.38% | 55.93% | 57.99% | -194 bps | |
| Non-Interest Burden | 1.96% | 2.00% | 2.09% | 2.19% | 2.16% | 2.20% | 2.32% | 2.44% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.23% | 1.63% | 1.13% | 0.90% | 4.23% | 4.89% | 1.91% | -0.65% | -154 bps | |
| Loan Growth (YoY) | 5.38% | 3.89% | 1.75% | 3.04% | 0.44% | 0.46% | -1.46% | -4.88% | -792 bps | |
| Deposit Growth (YoY) | 6.28% | 4.46% | 3.84% | 2.28% | 4.86% | 5.56% | 3.42% | 0.56% | -172 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.73% | 0.03% | 0.18% | 0.02% | 0.06% | 0.04% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | -0.01% | -1 bps | |
| Allowance / Loans | 1.25% | 1.24% | 1.24% | 1.24% | 1.27% | 1.26% | 1.27% | 1.31% | +7 bps | |
| Allowance Coverage of NPLs | 29.6x | 30.3x | 1.7x | 47.7x | 7.1x | 60.8x | 20.1x | 30.1x | -17.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.21% | 10.44% | 10.81% | 10.86% | 11.16% | 11.22% | 9.73% | 10.02% | -84 bps | |
| Total Risk-Based Capital | 13.91% | 14.12% | 14.51% | 14.62% | 15.04% | 15.26% | 13.15% | 13.68% | -94 bps | |
| Equity / Assets | 9.78% | 9.91% | 10.32% | 10.42% | 10.73% | 10.92% | 9.27% | 9.61% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.22% | 94.43% | 93.54% | 93.10% | 90.25% | 89.87% | 89.12% | 88.06% | -504 bps | |
| Liquid Assets / Assets | 3.84% | 4.40% | 4.61% | 5.18% | 8.16% | 7.65% | 7.72% | 9.01% | +384 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 541% | 536% | 630% | n/a | n/a | |
Hastings, MN · Cert 33204 · Peer group: banks under $1B in assets in MN (n=111-113) · PB Family Bancshares Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Return on Assets
1.53%
Rank 23 of 113
Net Interest Margin
4.43%
Rank 16 of 113
Efficiency Ratio
57.99%
Rank 44 of 113
Equity / Assets
9.61%
Rank 69 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.53% | 0.87% | 1.20% | 1.41% | Beats 80% | 23 / 113 | ||
| Return on Equity | 15.94% | 8.92% | 11.27% | 13.99% | Beats 82% | 20 / 113 | ||
| Net Interest Margin | 4.43% | 3.42% | 3.88% | 4.31% | Beats 86% | 16 / 113 | ||
| Efficiency Ratio | 57.99% | 54.13% | 61.48% | 69.86% | Beats 62% | 44 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.58% | 1.82% | Beats 82% | 21 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 60% | 47 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.43% | 11.53% | 13.31% | 18.13% | Beats 42% | 66 / 113 | ||
| Total Risk-Based Capital Ratio | 13.68% | 12.12% | 14.43% | 19.39% | Beats 46% | 61 / 113 | ||
| Equity / Assets | 9.61% | 8.52% | 10.10% | 11.94% | Beats 39% | 69 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.06% | 62.08% | 77.32% | 88.06% | 75th pctl | 28 / 111 | ||
| Loans / Assets | 78.97% | 55.01% | 66.35% | 75.50% | 81st pctl | 21 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||