Fairfax, MN · Cert 5142 · Fort Ridgely Natl Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
51
Profitability
29
Liquidity
0
Efficiency
31
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fairfax, MN · Cert 5142 · Fort Ridgely Natl Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
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 | 1.70% | 1.49% | 1.13% | 1.17% | 1.19% | 1.05% | 1.13% | 1.03% | -14 bps | |
| Return on Equity | 4.73% | 4.18% | 3.20% | 3.27% | 3.30% | 2.91% | 2.99% | 2.71% | -56 bps | |
| Net Interest Margin | 4.51% | 4.31% | 4.07% | 4.22% | 4.21% | 4.15% | 3.59% | 3.77% | -45 bps | |
| Efficiency Ratio | 54.80% | 59.85% | 65.92% | 65.90% | 65.15% | 69.18% | 63.01% | 66.95% | +105 bps | |
| Non-Interest Burden | 2.35% | 2.49% | 2.62% | 2.72% | 2.68% | 2.82% | 2.18% | 2.45% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.28% | 5.26% | 2.81% | 2.18% | -1.17% | -6.16% | -7.65% | -3.99% | -617 bps | |
| Loan Growth (YoY) | -2.55% | 2.49% | -15.84% | -22.92% | -24.76% | -33.25% | -22.73% | -13.05% | +987 bps | |
| Deposit Growth (YoY) | 5.52% | 5.61% | 2.24% | 1.72% | -3.28% | -9.40% | -11.91% | -6.12% | -784 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.30% | 2.14% | 2.52% | 2.81% | 2.80% | 4.29% | 9.52% | 8.68% | +587 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | 0.00% | -0.02% | -0.02% | -0.02% | 0.00% | -0.02% | 0 bps | |
| Allowance / Loans | 2.68% | 2.55% | 3.09% | 3.51% | 3.59% | 3.84% | 4.02% | 4.06% | +55 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 1.2x | 1.3x | 1.3x | 0.9x | 0.4x | 0.5x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 36.59% | 34.86% | 35.63% | 36.33% | 36.94% | 35.90% | 37.26% | 38.46% | +213 bps | |
| Total Risk-Based Capital | 36.59% | 34.86% | 35.63% | 36.33% | 36.94% | 35.90% | 37.26% | 38.46% | +213 bps | |
| Equity / Assets | 36.13% | 34.66% | 35.80% | 36.74% | 37.45% | 36.98% | 38.80% | 38.18% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.08% | 61.42% | 52.81% | 48.13% | 48.29% | 45.25% | 46.33% | 44.58% | -355 bps | |
| Liquid Assets / Assets | 55.47% | 56.14% | 63.06% | 66.38% | 66.00% | 66.13% | 67.64% | 69.70% | +332 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 21.44% | 21.18% | 21.12% | n/a | n/a | |
Fairfax, MN · Cert 5142 · Peer group: banks under $1B in assets in MN (n=111-113) · Fort Ridgely Natl Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
Return on Assets
1.03%
Rank 71 of 113
Net Interest Margin
3.77%
Rank 65 of 113
Efficiency Ratio
66.95%
Rank 79 of 113
Equity / Assets
38.18%
Rank 3 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 0.87% | 1.20% | 1.41% | Beats 37% | 71 / 113 | ||
| Return on Equity | 2.69% | 8.92% | 11.27% | 13.99% | Beats 7% | 105 / 113 | ||
| Net Interest Margin | 3.77% | 3.42% | 3.88% | 4.31% | Beats 42% | 65 / 113 | ||
| Efficiency Ratio | 66.95% | 54.13% | 61.48% | 69.86% | Beats 31% | 79 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 8.68% | 0.09% | 0.58% | 1.82% | Beats 2% | 110 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 38.46% | 11.53% | 13.31% | 18.13% | Beats 94% | 7 / 113 | ||
| Total Risk-Based Capital Ratio | 38.46% | 12.12% | 14.43% | 19.39% | Beats 94% | 7 / 113 | ||
| Equity / Assets | 38.18% | 8.52% | 10.10% | 11.94% | Beats 97% | 3 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.58% | 62.08% | 77.32% | 88.06% | 7th pctl | 103 / 111 | ||
| Loans / Assets | 27.43% | 55.01% | 66.35% | 75.50% | 4th pctl | 109 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||