Sioux Falls, SD · Cert 35444 · Bancorp Inc. the
National charter · OCC · 1 branch
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.7% share · #3 of 42 inst. · $7.5B of $1127.8B
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 | 2.98% | 2.90% | 2.80% | 2.90% | 2.90% | 2.81% | 2.87% | 2.94% | +4 bps | |
| Return on Equity | 26.58% | 26.45% | 28.44% | 28.63% | 28.60% | 28.21% | 31.71% | 31.84% | +321 bps | |
| Net Interest Margin | 6.13% | 5.78% | 5.39% | 5.73% | 5.94% | 5.83% | 5.20% | 5.13% | -59 bps | |
| Efficiency Ratio | 48.39% | 45.91% | 38.60% | 39.40% | 39.64% | 39.50% | 41.01% | 41.28% | +189 bps | |
| Non-Interest Burden | 2.18% | 1.66% | -0.12% | 0.03% | 0.08% | 0.06% | 0.33% | 0.37% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.33% | 13.17% | 18.51% | 8.58% | 6.18% | 7.38% | 5.48% | 4.30% | -428 bps | |
| Loan Growth (YoY) | 10.40% | 11.29% | 14.79% | 14.48% | 10.66% | 14.51% | 19.57% | 6.95% | -753 bps | |
| Deposit Growth (YoY) | 6.46% | 15.95% | 21.42% | 8.50% | 7.10% | 5.41% | 0.80% | -3.68% | -1,218 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.71% | 0.87% | 0.79% | 1.24% | 1.62% | 1.31% | 1.23% | 1.33% | +9 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.35% | 2.37% | 2.29% | 2.30% | 2.16% | 1.56% | 1.57% | -72 bps | |
| Allowance / Loans | 0.50% | 0.71% | 0.80% | 0.88% | 0.94% | 0.91% | 0.80% | 0.88% | 0 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 1.0x | 0.7x | 0.6x | 0.7x | 0.6x | 0.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.94% | 10.38% | 9.79% | 10.33% | 9.85% | 9.70% | 9.18% | 9.09% | -124 bps | |
| Total Risk-Based Capital | 15.67% | 16.06% | 16.24% | 16.83% | 15.77% | 15.13% | 15.10% | 15.32% | -151 bps | |
| Equity / Assets | 11.17% | 10.01% | 9.71% | 10.68% | 10.19% | 9.31% | 8.82% | 9.58% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.81% | 81.69% | 78.72% | 86.46% | 91.77% | 88.75% | 93.38% | 96.00% | +954 bps | |
| Liquid Assets / Assets | 0.58% | 6.48% | 10.78% | 3.72% | 0.87% | 1.12% | 0.59% | 0.77% | -296 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 352% | 362% | 365% | n/a | n/a | |