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 (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 | 0.61% | 0.75% | 0.70% | 0.85% | 0.72% | 0.88% | 0.91% | 0.99% | +13 bps | |
| Return on Equity | 9.48% | 11.84% | 11.19% | 13.01% | 10.69% | 13.24% | 13.39% | 14.13% | +112 bps | |
| Net Interest Margin | 3.17% | 3.24% | 3.27% | 3.34% | 3.46% | 3.62% | 3.54% | 3.67% | +33 bps | |
| Efficiency Ratio | 75.95% | 72.81% | 73.11% | 69.63% | 73.16% | 67.12% | 66.45% | 64.67% | -496 bps | |
| Non-Interest Burden | 2.31% | 2.26% | 2.33% | 2.23% | 2.44% | 2.32% | 2.24% | 2.25% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.00% | 5.24% | 7.23% | 8.20% | 9.10% | 7.45% | 5.82% | 7.65% | -54 bps | |
| Loan Growth (YoY) | 7.72% | 6.98% | 8.96% | 9.85% | 10.67% | 11.38% | 8.92% | 8.75% | -110 bps | |
| Deposit Growth (YoY) | 4.42% | 5.04% | 6.82% | 7.70% | 9.16% | 6.82% | 5.11% | 7.35% | -34 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.77% | 0.09% | 0.09% | 0.67% | 0.46% | 0.43% | 0.21% | 1.02% | +35 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.03% | 0.11% | -0.02% | 0.29% | -0.06% | 0.46% | 0.00% | +1 bps | |
| Allowance / Loans | 1.13% | 1.15% | 1.11% | 1.08% | 1.02% | 1.10% | 1.02% | 1.05% | -3 bps | |
| Allowance Coverage of NPLs | 1.5x | 13.3x | 12.8x | 1.6x | 2.2x | 2.5x | 4.8x | 1.0x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.39% | 7.71% | 8.03% | 7.93% | 8.02% | 7.48% | 7.87% | 7.85% | -7 bps | |
| Total Risk-Based Capital | 14.10% | 13.84% | 13.89% | 13.47% | 13.32% | 13.16% | 13.61% | 13.37% | -10 bps | |
| Equity / Assets | 6.70% | 6.03% | 6.41% | 6.67% | 6.71% | 6.60% | 7.03% | 6.93% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.62% | 66.36% | 68.89% | 71.44% | 69.58% | 69.19% | 71.38% | 72.37% | +93 bps | |
| Liquid Assets / Assets | 3.66% | 7.73% | 7.73% | 5.15% | 7.47% | 10.26% | 8.43% | 7.22% | +207 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 78.82% | 82.38% | 73.00% | n/a | n/a | |