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 | |