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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.46% | 0.91% | 1.12% | 1.15% | 1.32% | 1.03% | 1.48% | +36 bps | |
| Return on Equity | 6.12% | 5.45% | 10.66% | 12.59% | 12.42% | 14.07% | 10.94% | 15.68% | +309 bps | |
| Net Interest Margin | 2.99% | 3.38% | 3.22% | 3.43% | 3.42% | 3.77% | 3.55% | 3.88% | +45 bps | |
| Efficiency Ratio | 77.38% | 83.97% | 62.77% | 58.21% | 57.57% | 55.96% | 60.86% | 50.48% | -773 bps | |
| Non-Interest Burden | 2.23% | 2.78% | 1.92% | 1.87% | 1.84% | 1.99% | 2.06% | 1.82% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.74% | 10.29% | 9.72% | 5.58% | 3.00% | 6.66% | 7.22% | 10.79% | +520 bps | |
| Loan Growth (YoY) | 10.25% | 7.48% | 9.30% | 4.05% | 4.41% | 6.27% | 7.84% | 11.64% | +759 bps | |
| Deposit Growth (YoY) | 16.45% | 14.80% | 11.76% | 9.30% | 5.66% | 11.03% | 11.83% | 12.93% | +363 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.11% | 0.13% | 0.21% | 0.34% | 0.10% | 0.03% | 0.14% | -8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.06% | 0.00% | 0.00% | 0.27% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 0.98% | 1.00% | 1.06% | 0.99% | 0.99% | 1.02% | 1.06% | 0 bps | |
| Allowance Coverage of NPLs | 2.5x | 9.0x | 7.6x | 4.9x | 2.9x | 10.0x | 33.2x | 7.8x | +2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.55% | 8.57% | 8.94% | 9.07% | 9.28% | 9.28% | 9.32% | 9.42% | +35 bps | |
| Total Risk-Based Capital | 11.63% | 12.03% | 12.25% | 12.82% | 12.72% | 12.76% | 12.77% | 13.08% | +26 bps | |
| Equity / Assets | 8.39% | 8.39% | 8.64% | 9.20% | 9.35% | 9.42% | 9.34% | 9.58% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.67% | 97.22% | 95.77% | 95.32% | 94.54% | 93.05% | 92.35% | 94.23% | -109 bps | |
| Liquid Assets / Assets | 5.87% | 4.45% | 4.95% | 5.19% | 5.70% | 7.15% | 6.80% | 6.64% | +145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 337% | 343% | 338% | n/a | n/a | |