Sartell, MN · Cert 35406 · Abdo Investments Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · St. Cloud, MN · 2026 SOD (annual) · 3.3% share · #8 of 32 inst. · $0.3B of $7.9B
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 | 0.56% | 0.51% | 0.80% | 0.82% | 0.88% | 0.93% | 1.22% | 1.24% | +42 bps | |
| Return on Equity | 6.09% | 5.52% | 8.67% | 8.91% | 9.56% | 10.04% | 12.81% | 12.84% | +393 bps | |
| Net Interest Margin | 2.93% | 3.03% | 3.21% | 3.31% | 3.35% | 3.46% | 3.57% | 3.65% | +34 bps | |
| Efficiency Ratio | 67.25% | 70.21% | 63.20% | 62.64% | 61.08% | 59.89% | 54.27% | 53.20% | -944 bps | |
| Non-Interest Burden | 1.83% | 1.99% | 1.82% | 1.90% | 1.87% | 1.90% | 1.59% | 1.62% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.92% | 3.63% | 4.52% | 3.86% | 5.30% | 5.22% | 6.37% | 2.62% | -124 bps | |
| Loan Growth (YoY) | 8.47% | 5.91% | 3.16% | 5.27% | 6.49% | 5.21% | 7.56% | 4.91% | -36 bps | |
| Deposit Growth (YoY) | 12.82% | 7.09% | 5.99% | 3.24% | 0.81% | -0.78% | 4.50% | 1.78% | -147 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.56% | 1.75% | 1.98% | 1.99% | 2.00% | 2.11% | 2.20% | 2.21% | +22 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.28% | 0.12% | 0.17% | 0.25% | 0.19% | 0.55% | 0.47% | +30 bps | |
| Allowance / Loans | 1.52% | 1.45% | 1.52% | 1.49% | 1.44% | 1.48% | 1.40% | 1.39% | -9 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.8x | 0.8x | 0.7x | 0.7x | 0.7x | 0.6x | 0.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.39% | 9.55% | 9.35% | 9.48% | 9.49% | 9.80% | 9.85% | 9.93% | +45 bps | |
| Total Risk-Based Capital | 12.52% | 12.18% | 12.67% | 12.37% | 12.48% | 12.64% | 12.60% | 12.80% | +42 bps | |
| Equity / Assets | 9.36% | 9.30% | 9.17% | 9.03% | 9.39% | 9.64% | 9.49% | 9.77% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.26% | 107.27% | 106.28% | 105.78% | 106.97% | 113.74% | 109.39% | 109.04% | +326 bps | |
| Liquid Assets / Assets | 4.12% | 1.88% | 4.60% | 4.85% | 3.86% | 3.24% | 4.40% | 3.51% | -135 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 480% | 475% | 475% | n/a | n/a | |