Menahga, MN · Cert 5197 · Menahga Bancshares Inc.
State charter, non-member · FDIC · 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.89% | 1.35% | 1.26% | 1.37% | 1.16% | 1.65% | 1.42% | +15 bps | |
| Return on Equity | 8.61% | 7.89% | 11.90% | 10.65% | 11.27% | 9.41% | 13.43% | 11.32% | +67 bps | |
| Net Interest Margin | 3.06% | 3.29% | 3.21% | 3.47% | 3.77% | 3.69% | 3.77% | 3.93% | +46 bps | |
| Efficiency Ratio | 65.75% | 70.47% | 57.77% | 57.48% | 59.13% | 65.57% | 52.68% | 59.37% | +189 bps | |
| Non-Interest Burden | 1.76% | 2.12% | 1.47% | 1.72% | 1.97% | 2.19% | 1.61% | 2.07% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.05% | -0.32% | -0.32% | 6.90% | 4.57% | 4.20% | 5.27% | 1.92% | -498 bps | |
| Loan Growth (YoY) | -1.89% | 1.11% | -4.15% | -2.93% | 2.55% | -1.56% | -0.61% | -1.45% | +149 bps | |
| Deposit Growth (YoY) | 0.95% | 1.57% | 1.85% | 5.66% | 4.53% | 3.55% | 5.56% | 2.11% | -355 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.96% | 1.35% | 1.41% | 1.17% | 0.90% | 0.18% | 0.28% | -112 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.03% | -0.01% | 0.00% | 0.00% | 0.66% | -0.50% | 0.13% | +13 bps | |
| Allowance / Loans | 1.38% | 1.36% | 1.42% | 1.39% | 1.35% | 1.23% | 1.41% | 1.38% | -2 bps | |
| Allowance Coverage of NPLs | 8.9x | 1.4x | 1.1x | 1.0x | 1.2x | 1.4x | 7.9x | 4.9x | +3.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.65% | 11.94% | 12.53% | 12.72% | 12.82% | 12.09% | 12.79% | 12.84% | +12 bps | |
| Total Risk-Based Capital | 12.65% | 11.94% | 12.53% | 12.72% | 12.82% | 12.09% | 12.79% | 12.84% | +12 bps | |
| Equity / Assets | 11.59% | 11.00% | 11.71% | 11.98% | 12.34% | 12.23% | 12.36% | 12.64% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.39% | 66.35% | 64.17% | 63.52% | 64.15% | 63.08% | 60.42% | 61.31% | -221 bps | |
| Liquid Assets / Assets | 4.46% | 4.28% | 4.89% | 4.73% | 4.84% | 5.47% | 5.61% | 6.00% | +127 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 83.47% | 76.02% | 65.31% | n/a | n/a | |