Kiester, MN · Cert 5175 · Global Innovations Holdings
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.34% | 0.01%1 | -0.18% | 0.41% | 1.02% | 0.53% | 0.73% | 2.04% | +163 bps | |
| Return on Equity | 11.78% | 0.14% | -2.06% | 4.88% | 11.81% | 6.68% | 9.61% | 25.49% | +2,060 bps | |
| Net Interest Margin | 2.93% | 2.35% | 1.93% | 2.33% | 2.45% | 2.32% | 2.71% | 3.16% | +83 bps | |
| Efficiency Ratio | 76.76% | 98.47% | 99.66% | 88.74% | 80.96% | 87.89% | 80.90% | 63.28% | -2,546 bps | |
| Non-Interest Burden | 1.05% | 2.23% | 1.90% | 1.51% | 0.98% | 1.40% | 1.27% | 0.12% | -139 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.19% | 48.62% | 50.67% | 34.85% | 29.46% | 35.37% | 17.13% | 21.45% | -1,340 bps | |
| Loan Growth (YoY) | 63.61% | 38.17% | 51.72% | 48.79% | 46.18% | 54.38% | 54.06% | 58.50% | +971 bps | |
| Deposit Growth (YoY) | 37.34% | 49.10% | 57.51% | 39.12% | 33.26% | 44.26% | 16.11% | 21.46% | -1,766 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.04% | 0.02% | 0.12% | 0.94% | 0.86% | 2.04% | 0.03% | -9 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | -0.04% | -0.01% | 0.07% | 0.01% | -0.03% | -0.01% | 0 bps | |
| Allowance / Loans | 1.07% | 1.09% | 0.99% | 1.02% | 0.97% | 0.93% | 0.88% | 0.95% | -7 bps | |
| Allowance Coverage of NPLs | 21.7x | 27.3x | 45.6x | 8.4x | 1.0x | 1.1x | 0.4x | 31.6x | +23.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.92% | 11.37% | 9.41% | 8.97% | 9.15% | 8.61% | 8.44% | 8.47% | -49 bps | |
| Total Risk-Based Capital | 22.28% | 20.43% | 16.82% | 15.84% | 15.63% | 14.21% | 12.58% | 12.48% | -337 bps | |
| Equity / Assets | 11.48% | 9.35% | 8.57% | 8.34% | 8.88% | 7.29% | 7.94% | 8.09% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.16% | 49.72% | 53.44% | 55.81% | 61.61% | 53.21% | 70.91% | 72.82% | +1,702 bps | |
| Liquid Assets / Assets | 3.98% | 3.36% | 3.35% | 2.97% | 3.07% | 2.48% | 2.64% | 2.45% | -53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 149.75% | 177.58% | 214% | n/a | n/a | |