Cokato, MN · Cert 5115 · Knoff Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #79 of 125 inst. · $0.1B of $253.2B
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 | 0.89% | 0.87% | 0.84% | 0.98% | 1.07% | 1.10% | 1.20% | 1.30% | +32 bps | |
| Return on Equity | 17.87% | 17.23% | 15.44% | 17.04% | 17.71% | 17.55% | 16.44% | 18.05% | +101 bps | |
| Net Interest Margin | 3.30% | 3.36% | 3.37% | 3.46% | 3.78% | 3.86% | 3.92% | 3.77% | +31 bps | |
| Efficiency Ratio | 56.53% | 57.35% | 58.15% | 56.51% | 56.61% | 57.59% | 56.71% | 55.70% | -81 bps | |
| Non-Interest Burden | 1.67% | 1.74% | 1.82% | 1.79% | 1.95% | 2.04% | 2.05% | 1.91% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.55% | -1.77% | 8.40% | 5.62% | -3.44% | -0.24% | -5.97% | 5.41% | -22 bps | |
| Loan Growth (YoY) | 19.10% | 11.31% | 4.08% | 2.92% | -0.28% | -0.60% | 4.33% | 4.74% | +182 bps | |
| Deposit Growth (YoY) | -0.16% | 12.31% | 21.82% | 13.85% | 3.70% | -2.30% | -7.79% | 4.57% | -928 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.46% | 1.31% | 1.22% | 0.45% | 0.44% | 0.33% | 0.30% | 0.25% | -20 bps | |
| Net Charge-Offs / Loans | 0.28% | 0.35% | 1.06% | 0.86% | 0.75% | 0.68% | -0.02% | 0.02% | -83 bps | |
| Allowance / Loans | 1.44% | 1.42% | 1.41% | 1.40% | 1.31% | 1.23% | 1.32% | 1.35% | -6 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.2x | 3.1x | 3.0x | 3.8x | 4.5x | 5.4x | +2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.74% | 7.86% | 7.68% | 7.72% | 8.62% | 8.77% | 8.75% | 8.54% | +82 bps | |
| Total Risk-Based Capital | 12.63% | 12.75% | 13.18% | 13.86% | 13.70% | 13.75% | 14.35% | 14.59% | +74 bps | |
| Equity / Assets | 5.64% | 5.43% | 5.50% | 6.25% | 7.01% | 7.30% | 7.25% | 7.03% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.06% | 79.79% | 69.51% | 73.45% | 79.86% | 81.17% | 78.65% | 73.57% | +12 bps | |
| Liquid Assets / Assets | 2.85% | 2.92% | 2.52% | 11.39% | 6.35% | 5.33% | 7.80% | 6.91% | -449 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 209% | 206% | 190.15% | n/a | n/a | |