Rochester, MN · Cert 34171 · Olmsted Holding Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #58 of 125 inst. · $0.3B of $253.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | -0.78% | 0.68% | 0.97% | 0.97% | 1.26% | 1.05% | 1.37% | +40 bps | |
| Return on Equity | 1.18% | -7.84% | 6.85% | 9.78% | 9.68% | 12.05% | 9.76% | 12.28% | +250 bps | |
| Net Interest Margin | 3.06% | 3.14% | 3.39% | 3.59% | 3.73% | 3.77% | 3.86% | 4.18% | +59 bps | |
| Efficiency Ratio | 60.97% | 72.88% | 62.38% | 57.49% | 56.05% | 62.28% | 56.26% | 53.13% | -436 bps | |
| Non-Interest Burden | 1.80% | 2.24% | 2.03% | 1.89% | 2.01% | 1.72% | 2.09% | 2.05% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.75% | 8.44% | 11.09% | 6.28% | 6.62% | 4.08% | 4.51% | 86.30% | +8,002 bps | |
| Loan Growth (YoY) | 12.06% | 8.62% | 10.67% | 5.18% | 6.37% | 0.59% | -2.96% | 96.25% | +9,108 bps | |
| Deposit Growth (YoY) | 22.34% | 10.98% | 20.81% | 12.88% | 1.79% | 8.43% | 8.65% | 97.35% | +8,447 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.84% | 1.10% | 1.15% | 1.30% | 1.04% | 0.04% | 0.00% | 0.92% | -38 bps | |
| Net Charge-Offs / Loans | 1.28% | 3.07% | 0.00% | 0.00% | 0.00% | 1.19% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.99% | 0.95% | 0.96% | 1.00% | 1.03% | 0.94% | 0.99% | 1.10% | +11 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.9x | 0.8x | 0.8x | 1.0x | 26.7x | n/a | 1.2x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.56% | 10.57% | 10.67% | 10.57% | 10.49% | 11.02% | 11.16% | 13.80% | +323 bps | |
| Total Risk-Based Capital | 12.44% | 12.61% | 12.59% | 12.51% | 12.62% | 13.66% | 13.58% | 12.07% | -44 bps | |
| Equity / Assets | 9.99% | 9.85% | 9.90% | 9.94% | 10.12% | 10.74% | 10.68% | 11.40% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.49% | 103.07% | 102.87% | 104.16% | 108.14% | 95.62% | 91.88% | 103.58% | -58 bps | |
| Liquid Assets / Assets | 3.76% | 3.52% | 3.56% | 2.75% | 2.35% | 5.61% | 4.45% | 1.98% | -76 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 367% | 351% | 336% | n/a | n/a | |