Chisholm, MN · Cert 5113
FDIC · 3 branches
Q3 2025
Market Position · Duluth, MN-WI · 2025 SOD (annual) · 1.1% share · #14 of 27 inst. · $0.1B of $6.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.51% | 0.09% | 0.31% | -0.13% | 0.26% | 0.31% | 0.09% | -22 bps | |
| Return on Equity | 11.24% | 6.11% | 1.04% | 3.49% | -1.51% | 3.14% | 3.79% | 1.04% | -245 bps | |
| Net Interest Margin | 4.38% | 3.89% | 3.94% | 3.50% | 3.53% | 3.51% | 3.76% | 3.71% | +22 bps | |
| Efficiency Ratio | 76.05% | 82.10% | 91.80% | 80.75% | 91.49% | 79.65% | 77.03% | 73.24% | -751 bps | |
| Non-Interest Burden | 3.29% | 3.15% | 3.60% | 2.79% | 3.21% | 2.75% | 2.83% | 2.64% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.84% | -6.25% | -6.78% | 0.23% | -1.56% | 0.10% | 0.54% | -1.06% | -129 bps | |
| Loan Growth (YoY) | -14.73% | -14.82% | -15.84% | -14.58% | -15.49% | -15.94% | -17.34% | -17.42% | -284 bps | |
| Deposit Growth (YoY) | -7.99% | -7.05% | -5.25% | -0.40% | -1.94% | 0.07% | 3.38% | -1.05% | -65 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.20% | 1.19% | 1.46% | 4.28% | 4.74% | 4.46% | 3.60% | 3.75% | -53 bps | |
| Net Charge-Offs / Loans | 0.23% | 1.26% | 0.63% | 0.51% | 0.97% | 1.10% | 2.01% | 1.20% | +69 bps | |
| Allowance / Loans | 1.28% | 1.07% | 1.00% | 1.06% | 1.13% | 1.18% | 1.05% | 1.41% | +35 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.9x | 0.7x | 0.2x | 0.2x | 0.3x | 0.3x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.87% | 10.08% | 9.91% | 9.88% | 9.66% | 9.74% | 10.17% | 9.88% | 0 bps | |
| Total Risk-Based Capital | 9.87% | 10.08% | 9.91% | 9.88% | 9.66% | 9.74% | 10.17% | 9.88% | 0 bps | |
| Equity / Assets | 8.15% | 8.55% | 8.50% | 9.01% | 8.31% | 8.38% | 8.18% | 8.89% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.48% | 55.20% | 56.20% | 51.30% | 48.67% | 46.36% | 44.94% | 42.81% | -848 bps | |
| Liquid Assets / Assets | 4.80% | 3.00% | 1.81% | 0.72% | 1.32% | 0.42% | 1.05% | 0.80% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 40.95% | n/a | n/a |