Bagley, MN · Cert 5087 · First Natl Agency Bagley Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Grand Forks, ND-MN · 2026 SOD (annual) · 0.7% share · #20 of 21 inst. · $0.0B of $3.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.75% | 0.79% | 0.91% | 0.94% | +17 bps | |
| Return on Equity | 12.12% | 11.61% | 12.13% | 13.39% | 13.79% | +167 bps | |
| Net Interest Margin | 3.25% | 3.31% | 3.28% | 3.54% | 3.56% | +30 bps | |
| Efficiency Ratio | 71.31% | 71.96% | 70.62% | 66.45% | 65.53% | -578 bps | |
| Non-Interest Burden | 2.24% | 2.30% | 2.23% | 2.24% | 2.22% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.20% | 9.10% | 7.45% | 5.82% | 7.65% | -54 bps | |
| Loan Growth (YoY) | 9.85% | 10.67% | 11.38% | 8.92% | 8.75% | -110 bps | |
| Deposit Growth (YoY) | 7.70% | 9.16% | 6.82% | 5.11% | 7.35% | -34 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.67% | 0.46% | 0.43% | 0.21% | 1.02% | +35 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.12% | 0.08% | 0.46% | 0.22% | +17 bps | |
| Allowance / Loans | 1.08% | 1.02% | 1.10% | 1.02% | 1.05% | -3 bps | |
| Allowance Coverage of NPLs | 1.6x | 2.2x | 2.5x | 4.8x | 1.0x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.93% | 8.02% | 7.48% | 7.87% | 7.85% | -7 bps | |
| Total Risk-Based Capital | 13.47% | 13.32% | 13.16% | 13.61% | 13.37% | -10 bps | |
| Equity / Assets | 6.67% | 6.71% | 6.60% | 7.03% | 6.93% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.44% | 69.58% | 69.19% | 71.38% | 72.37% | +93 bps | |
| Liquid Assets / Assets | 5.15% | 7.47% | 10.26% | 8.43% | 7.22% | +207 bps | |
| CRE / Total Capital | n/a | 78.82% | 82.38% | 73.00% | n/a | n/a | |