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First National Bank of Coleraine, The

Coleraine, MN · Cert 5117 · Jan-Mar Corp.

National charter · OCC · 2 branches

Q2 2026

$112.0MAssets
$41.9MLoans
$105.1MDeposits
$6.6MEquity
Loan mix
89%RE $37.2M5%C&I $2.1M7%Consumer $2.8MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $87.0M17%Noninterest $18.1MQ2 2025Q2 2026

NIM

3.38%Q2 ’243.66%Q2 ’254.01%Q2 ’26+7%+15%

Non-interest income vs. expense

2.22%Q2 ’242.09%Q2 ’251.95%Q2 ’26-6%+1%

Executive Summary

  • Earnings: ROA of 0.65%, up 25 bps year over year; NIM at 2.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 7.63%, down 16 bps from a year ago.
  • Funding: loans stand at 39.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.61%+35 bps YoY

Efficiency Ratio (YTD, annualized)

70.17%-1,067 bps YoY

Tier 1 Leverage Ratio

7.63%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.38%0.45%0.50%0.65%+25 bps
Return on Equity7.72%7.23%8.32%8.57%11.18%+345 bps
Net Interest Margin2.26%2.25%2.25%2.46%2.61%+35 bps
Efficiency Ratio80.85%81.89%79.17%76.35%70.17%-1,067 bps
Non-Interest Burden1.77%1.79%1.70%1.84%1.79%+2 bps
Growth
Asset Growth (YoY)1.40%5.58%5.32%8.91%7.73%+632 bps
Loan Growth (YoY)1.10%0.14%0.31%2.53%0.00%-110 bps
Deposit Growth (YoY)5.03%6.82%4.04%8.30%7.31%+228 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.03%+3 bps
Allowance / Loans0.96%0.97%0.97%0.95%0.95%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.79%7.64%7.43%7.61%7.63%-16 bps
Total Risk-Based Capital18.14%18.44%18.65%19.03%19.61%+146 bps
Equity / Assets5.55%5.56%5.88%5.70%5.90%+34 bps
Liquidity & Funding
Loans / Deposits42.72%39.65%40.44%39.84%39.81%-291 bps
Liquid Assets / Assets0.94%0.88%1.56%1.52%1.53%+59 bps
CRE / Total Capitaln/a202%192.73%185.48%n/an/a