Roseville, MN · Cert 34836 · N A Corp.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.4% share · #16 of 125 inst. · $1.1B 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 | 0.46% | 0.62% | 0.76% | 0.87% | 1.05% | 1.20% | 1.49% | 1.67% | +80 bps | |
| Return on Equity | 10.44% | 13.95% | 14.85% | 16.10% | 18.47% | 20.29% | 22.61% | 25.12% | +902 bps | |
| Net Interest Margin | 1.30% | 1.45% | 1.86% | 1.95% | 2.00% | 2.10% | 2.60% | 2.74% | +79 bps | |
| Efficiency Ratio | 75.73% | 70.88% | 63.41% | 61.63% | 58.09% | 56.59% | 51.42% | 49.73% | -1,190 bps | |
| Non-Interest Burden | 0.74% | 0.75% | 0.77% | 0.73% | 0.64% | 0.63% | 0.59% | 0.56% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.75% | 5.08% | 8.05% | 12.01% | 8.60% | 7.53% | 6.19% | 5.56% | -645 bps | |
| Loan Growth (YoY) | 5.86% | 8.54% | 7.69% | 13.28% | 7.27% | 3.60% | 4.43% | 3.00% | -1,028 bps | |
| Deposit Growth (YoY) | 4.65% | 4.77% | 6.81% | 5.11% | 1.71% | -6.57% | -4.41% | -3.85% | -896 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.98% | 0.07% | 0.49% | 0.46% | 0.46% | 0.44% | 0.53% | 0.51% | +5 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.00% | 0.02% | 0.02% | 0.12% | 0.00% | 0.02% | 0 bps | |
| Allowance / Loans | 1.23% | 1.15% | 1.23% | 1.24% | 1.27% | 1.15% | 1.21% | 1.20% | -4 bps | |
| Allowance Coverage of NPLs | 1.3x | 17.1x | 2.5x | 2.7x | 2.8x | 2.6x | 2.3x | 2.4x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.71% | 8.40% | 8.49% | 8.79% | 8.65% | 8.57% | 8.47% | 8.91% | +12 bps | |
| Total Risk-Based Capital | 14.25% | 13.98% | 14.54% | 14.82% | 15.44% | 15.24% | 15.47% | 15.67% | +84 bps | |
| Equity / Assets | 5.50% | 4.69% | 5.51% | 5.99% | 6.59% | 6.67% | 6.51% | 6.78% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.87% | 61.81% | 61.79% | 67.33% | 67.36% | 68.54% | 67.50% | 72.13% | +480 bps | |
| Liquid Assets / Assets | 0.54% | 3.84% | 5.03% | 5.14% | 8.12% | 6.99% | 3.51% | 4.55% | -58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 374% | 365% | 366% | n/a | n/a | |