Sioux Falls, SD · Cert 34813
FDIC
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 9.81% | 9.93% | 9.95% | 7.99% | 8.41% | -140 bps | |
| Return on Equity | 9.90% | 10.02% | 10.04% | 8.08% | 8.48% | -142 bps | |
| Net Interest Margin | 4.16% | 4.12% | 3.99% | 3.57% | 3.56% | -60 bps | |
| Efficiency Ratio | 10.43% | 10.28% | 10.42% | 18.15% | 18.01% | +758 bps | |
| Non-Interest Burden | -8.78% | -8.84% | -8.79% | -7.60% | -7.60% | +118 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.04% | 10.80% | 10.51% | 9.86% | 9.52% | -153 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 100.37% | 100.50% | 100.38% | 99.89% | 100.58% | +21 bps | |
| Total Risk-Based Capital | 481% | 479% | 477% | 475% | 483% | +201 bps | |
| Equity / Assets | 99.59% | 99.37% | 99.24% | 98.53% | 99.82% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 95.26% | 95.19% | 95.17% | 94.86% | 95.41% | +15 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |