Elkton, SD · Cert 496 · Elkton Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 1.15% | 1.32% | 1.03% | 1.48% | +36 bps | |
| Return on Equity | 12.59% | 12.42% | 14.07% | 10.94% | 15.68% | +309 bps | |
| Net Interest Margin | 3.43% | 3.42% | 3.77% | 3.55% | 3.88% | +45 bps | |
| Efficiency Ratio | 58.21% | 57.57% | 55.96% | 60.86% | 50.48% | -773 bps | |
| Non-Interest Burden | 1.87% | 1.84% | 1.99% | 2.06% | 1.82% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.58% | 3.00% | 6.66% | 7.22% | 10.79% | +520 bps | |
| Loan Growth (YoY) | 4.05% | 4.41% | 6.27% | 7.84% | 11.64% | +759 bps | |
| Deposit Growth (YoY) | 9.30% | 5.66% | 11.03% | 11.83% | 12.93% | +363 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.21% | 0.34% | 0.10% | 0.03% | 0.14% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.27% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.06% | 0.99% | 0.99% | 1.02% | 1.06% | 0 bps | |
| Allowance Coverage of NPLs | 4.9x | 2.9x | 10.0x | 33.2x | 7.8x | +2.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.07% | 9.28% | 9.28% | 9.32% | 9.42% | +35 bps | |
| Total Risk-Based Capital | 12.82% | 12.72% | 12.76% | 12.77% | 13.08% | +26 bps | |
| Equity / Assets | 9.20% | 9.35% | 9.42% | 9.34% | 9.58% | +38 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.32% | 94.54% | 93.05% | 92.35% | 94.23% | -109 bps | |
| Liquid Assets / Assets | 5.19% | 5.70% | 7.15% | 6.80% | 6.64% | +145 bps | |
| CRE / Total Capital | n/a | 337% | 343% | 338% | n/a | n/a | |