Edina, MN · Cert 35480 · Crown Bankshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #49 of 125 inst. · $0.3B 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 | 1.23% | 0.72% | 0.15% | 0.20% | 0.21% | 0.25% | 0.32% | 0.45% | +25 bps | |
| Return on Equity | 16.26% | 9.64% | 2.08% | 2.86% | 2.94% | 3.46% | 4.30% | 5.91% | +305 bps | |
| Net Interest Margin | 2.47% | 2.46% | 2.40% | 2.51% | 2.47% | 2.58% | 2.90% | 3.07% | +56 bps | |
| Efficiency Ratio | 81.01% | 80.98% | 91.79% | 89.91% | 88.81% | 87.56% | 74.66% | 74.58% | -1,533 bps | |
| Non-Interest Burden | 1.96% | 1.95% | 2.20% | 2.25% | 2.19% | 2.25% | 2.14% | 2.26% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.69% | 11.39% | 6.57% | 4.10% | 4.31% | 4.30% | 1.97% | -8.80% | -1,289 bps | |
| Loan Growth (YoY) | 11.76% | 10.06% | 4.01% | -5.50% | -2.53% | -0.93% | -3.24% | -9.86% | -436 bps | |
| Deposit Growth (YoY) | 10.63% | 15.43% | 10.45% | 8.60% | 4.65% | 5.63% | 4.59% | -7.35% | -1,595 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.21% | 1.79% | 1.79% | 1.86% | 2.33% | 1.62% | 1.30% | 1.15% | -71 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.41% | 0.00% | 0.00% | 0.00% | 0.00% | 0.50% | 0.36% | +36 bps | |
| Allowance / Loans | 1.11% | 1.12% | 1.12% | 1.15% | 1.14% | 1.14% | 1.14% | 1.21% | +6 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 0.6x | 0.6x | 0.5x | 0.7x | 0.9x | 1.0x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.48% | 8.25% | 8.24% | 8.17% | 7.83% | 7.90% | 7.93% | 8.43% | +27 bps | |
| Total Risk-Based Capital | 10.90% | 10.64% | 10.68% | 10.82% | 10.80% | 10.83% | 11.12% | 12.19% | +138 bps | |
| Equity / Assets | 7.77% | 7.24% | 7.23% | 6.96% | 7.23% | 7.31% | 7.42% | 8.12% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.53% | 99.03% | 99.67% | 94.70% | 94.57% | 92.88% | 92.21% | 92.13% | -257 bps | |
| Liquid Assets / Assets | 1.84% | 2.75% | 2.58% | 6.17% | 5.56% | 6.03% | 7.05% | 4.94% | -123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 579% | 554% | 540% | n/a | n/a | |