Lonsdale, MN · Cert 5180 · Traxshares Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #80 of 125 inst. · $0.1B of $253.2B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 1.13% | 0.93% | 1.37% | 1.30% | +18 bps | |
| Return on Equity | 12.34% | 12.40% | 10.36% | 15.87% | 14.76% | +242 bps | |
| Net Interest Margin | 3.07% | 3.13% | 2.98% | 3.44% | 3.44% | +37 bps | |
| Efficiency Ratio | 59.71% | 59.49% | 65.01% | 46.45% | 50.98% | -873 bps | |
| Non-Interest Burden | 1.68% | 1.71% | 1.82% | 1.41% | 1.58% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.26% | 10.93% | 13.61% | 8.35% | 7.90% | +164 bps | |
| Loan Growth (YoY) | 11.19% | 9.34% | 13.31% | 13.16% | 5.69% | -550 bps | |
| Deposit Growth (YoY) | 4.02% | 11.11% | 14.49% | 1.15% | 0.91% | -310 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.64% | 1.93% | 0.32% | 1.24% | 1.72% | -91 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.11% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 0.89% | 0.88% | 0.86% | 0.93% | 0.98% | +9 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.5x | 2.7x | 0.8x | 0.6x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.71% | 9.98% | 8.45% | 9.38% | 9.50% | -21 bps | |
| Total Risk-Based Capital | 9.71% | 9.98% | 8.45% | 9.38% | 9.50% | -21 bps | |
| Equity / Assets | 9.34% | 9.26% | 8.39% | 8.90% | 9.14% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.56% | 81.96% | 81.15% | 90.28% | 93.80% | +424 bps | |
| Liquid Assets / Assets | 5.11% | 10.46% | 9.63% | 6.87% | 7.88% | +277 bps | |
| CRE / Total Capital | n/a | 98.49% | 105.05% | 105.08% | n/a | n/a | |