Inver Grove Heights, MN · Cert 34644 · Inver Grove Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #89 of 125 inst. · $0.1B 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 | 1.01% | 1.37% | 0.99% | 1.20% | 1.13% | 1.48% | -1.89% | 1.52% | +32 bps | |
| Return on Equity | 12.61% | 16.44% | 11.93% | 14.83% | 12.97% | 16.52% | -20.07% | 14.61% | -21 bps | |
| Net Interest Margin | 3.96% | 4.21% | 4.26% | 4.30% | 4.12% | 4.22% | 4.19% | 3.94% | -36 bps | |
| Efficiency Ratio | 64.30% | 55.89% | 63.27% | 60.47% | 62.55% | 53.37% | 60.58% | 74.98% | +1,451 bps | |
| Non-Interest Burden | 2.47% | 2.27% | 2.63% | 2.53% | 2.51% | 2.16% | 2.48% | 2.90% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.89% | 8.22% | 6.15% | 6.93% | -2.19% | 7.97% | 6.83% | 2.60% | -433 bps | |
| Loan Growth (YoY) | 10.66% | 6.54% | 7.94% | 10.95% | 6.12% | 7.72% | 14.89% | 8.21% | -274 bps | |
| Deposit Growth (YoY) | 14.54% | 10.58% | 9.62% | 5.88% | 0.31% | 16.83% | 2.59% | 9.95% | +407 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.95% | 2.67% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 2.68% | +268 bps | |
| Allowance / Loans | 1.16% | 1.19% | 1.22% | 1.21% | 1.27% | 1.28% | 2.17% | 1.28% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.4x | 0.8x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.94% | 8.98% | 8.79% | 8.85% | 9.13% | 9.42% | 10.65% | 10.66% | +182 bps | |
| Total Risk-Based Capital | 11.68% | 11.97% | 11.18% | 11.50% | 12.02% | 12.14% | 10.65% | 10.66% | -84 bps | |
| Equity / Assets | 8.18% | 8.52% | 8.02% | 8.20% | 9.25% | 8.71% | 10.07% | 10.72% | +252 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.66% | 95.32% | 93.31% | 98.57% | 95.92% | 87.89% | 104.50% | 97.02% | -155 bps | |
| Liquid Assets / Assets | 15.06% | 13.96% | 15.71% | 13.85% | 7.06% | 16.04% | 9.51% | 7.09% | -676 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 659% | 669% | 623% | n/a | n/a | |