Gilbert, MN · Cert 5150 · Broadway Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Duluth, MN-WI · 2026 SOD (annual) · 1.1% share · #15 of 26 inst. · $0.1B of $6.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.08% | 0.55% | 0.51% | 0.68% | 0.69% | 0.44% | 0.87% | +36 bps | |
| Return on Equity | 11.17% | 1.19% | 7.87% | 7.22% | 9.43% | 9.69% | 6.29% | 12.38% | +515 bps | |
| Net Interest Margin | 2.86% | 3.09% | 2.97% | 3.29% | 3.49% | 3.57% | 3.35% | 3.54% | +25 bps | |
| Efficiency Ratio | 71.82% | 78.79% | 75.63% | 78.14% | 71.47% | 72.24% | 77.24% | 71.07% | -707 bps | |
| Non-Interest Burden | 1.99% | 2.39% | 2.20% | 2.53% | 2.45% | 2.53% | 2.55% | 2.48% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.23% | 4.09% | 4.78% | 4.56% | 1.69% | 2.93% | 6.30% | 4.86% | +30 bps | |
| Loan Growth (YoY) | 4.25% | 1.69% | 2.85% | 4.13% | 5.51% | 9.00% | 8.00% | 8.05% | +392 bps | |
| Deposit Growth (YoY) | 15.81% | 13.06% | 14.22% | 10.03% | 3.29% | 2.93% | 9.84% | 8.04% | -199 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.04% | 0.13% | 0.00% | 0.00% | 0.19% | 0.16% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.03% | 1.05% | 1.03% | 1.01% | 1.01% | 1.03% | 1.07% | 1.05% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 25.3x | 7.8x | n/a | n/a | 5.7x | 6.5x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.20% | 7.04% | 7.10% | 7.09% | 7.17% | 7.04% | 7.02% | 7.12% | +4 bps | |
| Total Risk-Based Capital | 14.43% | 14.42% | 14.70% | 14.32% | 14.23% | 13.95% | 14.07% | 13.88% | -45 bps | |
| Equity / Assets | 7.11% | 6.86% | 7.07% | 7.09% | 7.23% | 7.05% | 6.94% | 7.14% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.79% | 88.16% | 90.15% | 92.13% | 94.78% | 93.35% | 88.63% | 92.14% | +1 bps | |
| Liquid Assets / Assets | 8.19% | 9.00% | 10.76% | 8.40% | 5.38% | 7.33% | 8.95% | 5.95% | -245 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 97.71% | 113.26% | 115.43% | n/a | n/a | |