Coleraine, MN · Cert 5117 · Jan-Mar Corp.
National charter · OCC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.35% | 0.64% | 0.50% | 0.80% | +28 bps | |
| Return on Equity | 9.76% | 6.35% | 11.12% | 8.57% | 13.82% | +406 bps | |
| Net Interest Margin | 2.37% | 2.37% | 2.45% | 2.46% | 2.77% | +39 bps | |
| Efficiency Ratio | 75.18% | 83.83% | 72.59% | 76.35% | 64.70% | -1,048 bps | |
| Non-Interest Burden | 1.70% | 1.94% | 1.60% | 1.84% | 1.73% | +3 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.00% | 0.06% | +7 bps | |
| Allowance / Loans | 0.96% | 0.97% | 0.97% | 0.95% | 0.95% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.79% | 7.64% | 7.43% | 7.61% | 7.63% | -16 bps | |
| Total Risk-Based Capital | 18.14% | 18.44% | 18.65% | 19.03% | 19.61% | +146 bps | |
| Equity / Assets | 5.55% | 5.56% | 5.88% | 5.70% | 5.90% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.72% | 39.65% | 40.44% | 39.84% | 39.81% | -291 bps | |
| Liquid Assets / Assets | 0.94% | 0.88% | 1.56% | 1.52% | 1.53% | +59 bps | |
| CRE / Total Capital | n/a | 202% | 192.73% | 185.48% | n/a | n/a | |