Osakis, MN · Cert 5221 · Financial Services Lowry Inc.
National charter · OCC · 1 affiliate bank · 1 branch (2 in holding)
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.98% | 1.16% | 0.88% | 0.88% | +18 bps | |
| Return on Equity | 7.76% | 10.72% | 12.38% | 9.35% | 9.43% | +166 bps | |
| Net Interest Margin | 3.41% | 3.60% | 3.77% | 3.65% | 3.83% | +42 bps | |
| Efficiency Ratio | 75.81% | 67.97% | 63.43% | 71.20% | 70.48% | -533 bps | |
| Non-Interest Burden | 2.47% | 2.31% | 2.25% | 2.47% | 2.56% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.50% | 1.95% | 1.97% | 2.97% | 3.02% | -48 bps | |
| Loan Growth (YoY) | 5.30% | 4.57% | 3.33% | 6.54% | 5.92% | +62 bps | |
| Deposit Growth (YoY) | 3.86% | 1.22% | -1.15% | 4.46% | 6.06% | +219 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.43% | 0.43% | 0.60% | 0.41% | 0.67% | +24 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | 0.00% | -0.04% | -2 bps | |
| Allowance / Loans | 0.92% | 0.92% | 0.92% | 0.89% | 0.92% | -1 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.2x | 1.5x | 2.2x | 1.4x | -0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.61% | 8.68% | 8.79% | 8.96% | 8.67% | +6 bps | |
| Total Risk-Based Capital | 11.85% | 12.38% | 12.57% | 11.98% | 11.74% | -11 bps | |
| Equity / Assets | 8.93% | 9.34% | 9.46% | 9.42% | 9.25% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.43% | 100.82% | 99.88% | 100.93% | 101.29% | -13 bps | |
| Liquid Assets / Assets | 0.41% | 0.35% | 0.35% | 0.51% | 0.34% | -6 bps | |
| CRE / Total Capital | n/a | 260% | 262% | 259% | n/a | n/a | |