Osakis, MN · Cert 5221 · Financial Services Lowry Inc.
National charter · OCC · 1 affiliate bank · 1 branch (2 in holding)
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.54% | 0.74% | 0.72% | 0.81% | 0.90% | 0.88% | 0.88% | +16 bps | |
| Return on Equity | 5.90% | 6.15% | 8.35% | 8.08% | 8.94% | 9.87% | 9.35% | 9.40% | +132 bps | |
| Net Interest Margin | 2.70% | 2.81% | 3.22% | 3.30% | 3.37% | 3.47% | 3.65% | 3.70% | +40 bps | |
| Efficiency Ratio | 81.72% | 80.04% | 72.58% | 74.25% | 72.01% | 69.70% | 71.20% | 70.82% | -343 bps | |
| Non-Interest Burden | 2.12% | 2.16% | 2.22% | 2.34% | 2.31% | 2.29% | 2.47% | 2.49% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.81% | 1.46% | 3.03% | 3.50% | 1.95% | 1.97% | 2.97% | 3.02% | -48 bps | |
| Loan Growth (YoY) | 1.27% | 4.22% | 4.73% | 5.30% | 4.57% | 3.33% | 6.54% | 5.92% | +62 bps | |
| Deposit Growth (YoY) | 0.25% | 5.49% | 3.86% | 3.86% | 1.22% | -1.15% | 4.46% | 6.06% | +219 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.88% | 0.63% | 0.67% | 0.43% | 0.43% | 0.60% | 0.41% | 0.67% | +24 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.00% | -0.01% | -0.01% | -0.01% | 0.00% | -0.02% | -1 bps | |
| Allowance / Loans | 0.96% | 0.94% | 0.94% | 0.92% | 0.92% | 0.92% | 0.89% | 0.92% | -1 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.5x | 1.4x | 2.1x | 2.2x | 1.5x | 2.2x | 1.4x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.64% | 8.63% | 8.64% | 8.61% | 8.68% | 8.79% | 8.96% | 8.67% | +6 bps | |
| Total Risk-Based Capital | 12.57% | 12.46% | 12.53% | 11.85% | 12.38% | 12.57% | 11.98% | 11.74% | -11 bps | |
| Equity / Assets | 9.12% | 8.78% | 9.04% | 8.93% | 9.34% | 9.46% | 9.42% | 9.25% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.58% | 95.55% | 98.96% | 101.43% | 100.82% | 99.88% | 100.93% | 101.29% | -13 bps | |
| Liquid Assets / Assets | 0.38% | 0.34% | 0.37% | 0.41% | 0.35% | 0.35% | 0.51% | 0.34% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 260% | 262% | 259% | n/a | n/a | |