Sioux Falls, SD · Cert 33922 · Rock Rivers Bcorp
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #29 of 42 inst. · $0.1B of $1127.8B
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 | 0.33% | 0.37% | 0.36% | 0.35% | 0.38% | 0.43% | 0.29% | 0.39% | +4 bps | |
| Return on Equity | 5.25% | 6.02% | 5.82% | 5.77% | 6.15% | 6.76% | 4.40% | 5.83% | +6 bps | |
| Net Interest Margin | 2.12% | 2.19% | 2.44% | 2.54% | 2.59% | 2.61% | 2.90% | 2.96% | +42 bps | |
| Efficiency Ratio | 87.96% | 85.19% | 83.83% | 82.08% | 81.41% | 80.11% | 79.08% | 78.77% | -332 bps | |
| Non-Interest Burden | 1.81% | 1.79% | 1.97% | 2.02% | 2.03% | 2.01% | 2.20% | 2.24% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.92% | -1.22% | -0.66% | 6.40% | 1.51% | 4.18% | 1.94% | 0.69% | -571 bps | |
| Loan Growth (YoY) | 3.58% | 3.29% | 6.53% | 15.76% | 11.79% | 8.54% | 7.32% | 1.57% | -1,419 bps | |
| Deposit Growth (YoY) | 5.09% | 3.98% | 2.80% | 10.18% | 8.53% | 6.51% | 4.45% | 3.65% | -653 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.02% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.19% | 1.14% | 1.10% | 1.09% | 1.15% | 1.14% | 1.12% | 1.15% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 654.0x | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.93% | 9.07% | 8.94% | 8.72% | 8.76% | 8.73% | 8.71% | 8.76% | +4 bps | |
| Total Risk-Based Capital | 12.80% | 12.46% | 12.19% | 11.76% | 12.27% | 12.30% | 12.15% | 12.32% | +56 bps | |
| Equity / Assets | 6.51% | 6.15% | 6.13% | 5.95% | 6.52% | 6.75% | 6.61% | 6.73% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.87% | 73.33% | 74.68% | 76.10% | 71.97% | 74.73% | 76.73% | 74.57% | -153 bps | |
| Liquid Assets / Assets | 16.44% | 12.54% | 12.49% | 11.94% | 12.92% | 11.87% | 11.45% | 12.76% | +82 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 311% | 346% | 353% | n/a | n/a | |