Plankinton, SD · Cert 501 · Page Holding Co.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
34
Profitability
92
Liquidity
0
Efficiency
97
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Plankinton, SD · Cert 501 · Page Holding Co.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 1.93% | 2.08% | 2.22% | 2.28% | 2.36% | 2.20% | 2.15% | 2.03% | -26 bps | |
| Return on Equity | 20.20% | 21.69% | 22.91% | 22.80% | 22.95% | 21.76% | 21.51% | 20.06% | -274 bps | |
| Net Interest Margin | 4.24% | 4.28% | 4.57% | 4.75% | 4.68% | 4.48% | 4.56% | 4.80% | +5 bps | |
| Efficiency Ratio | 42.19% | 40.54% | 41.50% | 39.84% | 39.27% | 39.64% | 40.10% | 38.77% | -107 bps | |
| Non-Interest Burden | 1.56% | 1.49% | 1.70% | 1.67% | 1.62% | 1.56% | 1.64% | 1.64% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.53% | 5.83% | 14.96% | 4.43% | 3.12% | 13.35% | 3.60% | 13.50% | +907 bps | |
| Loan Growth (YoY) | 12.97% | 8.04% | 14.15% | 9.32% | 8.83% | 16.78% | 10.97% | 17.55% | +823 bps | |
| Deposit Growth (YoY) | 10.42% | 9.50% | 9.61% | 2.96% | -5.13% | 10.36% | 8.65% | 9.40% | +644 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.66% | 0.76% | 0.87% | 0.83% | 0.75% | 0.57% | 1.13% | 0.76% | -6 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.06% | 0.01% | 0.05% | 0.03% | 0.03% | 0.13% | 0.07% | +2 bps | |
| Allowance / Loans | 1.48% | 1.42% | 1.40% | 1.37% | 1.36% | 1.19% | 1.31% | 1.33% | -4 bps | |
| Allowance Coverage of NPLs | 2.2x | 1.9x | 1.6x | 1.7x | 1.8x | 2.1x | 1.2x | 1.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.02% | 10.76% | 11.07% | 11.55% | 11.69% | 10.48% | 10.45% | 11.02% | -53 bps | |
| Total Risk-Based Capital | 14.32% | 13.73% | 14.08% | 14.49% | 14.26% | 12.44% | 13.20% | 12.96% | -153 bps | |
| Equity / Assets | 10.11% | 9.65% | 9.77% | 10.66% | 11.03% | 9.60% | 10.41% | 10.31% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.49% | 89.02% | 96.62% | 100.41% | 102.66% | 94.19% | 98.69% | 107.89% | +748 bps | |
| Liquid Assets / Assets | 4.76% | 3.83% | 6.46% | 1.73% | 1.67% | 2.92% | 3.11% | 1.39% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 20.83% | 21.25% | 22.50% | n/a | n/a | |
Plankinton, SD · Cert 501 · Peer group: banks under $1B in assets (n=581-629) · Page Holding Co.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
2.00%
Rank 78 of 629
Net Interest Margin
4.80%
Rank 39 of 629
Efficiency Ratio
38.77%
Rank 20 of 629
Equity / Assets
10.31%
Rank 351 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.00% | 0.60% | 1.01% | 1.45% | Beats 88% | 78 / 629 | ||
| Return on Equity | 19.43% | 5.38% | 9.30% | 13.28% | Beats 93% | 46 / 629 | ||
| Net Interest Margin | 4.80% | 3.03% | 3.54% | 4.05% | Beats 94% | 39 / 629 | ||
| Efficiency Ratio | 38.77% | 58.35% | 67.79% | 79.08% | Beats 97% | 20 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.76% | 0.09% | 0.46% | 1.20% | Beats 36% | 370 / 581 | ||
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 31% | 399 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.73% | 11.24% | 13.84% | 18.77% | Beats 30% | 438 / 629 | ||
| Total Risk-Based Capital Ratio | 12.96% | 11.58% | 14.43% | 19.66% | Beats 38% | 389 / 629 | ||
| Equity / Assets | 10.31% | 9.09% | 10.65% | 13.80% | Beats 44% | 351 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 107.89% | 67.24% | 80.90% | 93.48% | 93rd pctl | 39 / 594 | ||
| Loans / Assets | 82.08% | 53.31% | 67.71% | 78.15% | 86th pctl | 87 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||