Plainview, MN · Cert 5229 · Plainview Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 4.6% share · #6 of 34 inst. · $0.3B of $7.6B
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 | 0.71% | 0.75% | 0.76% | 0.89% | 0.86% | 0.89% | 0.86% | 0.93% | +4 bps | |
| Return on Equity | 8.29% | 8.71% | 8.45% | 9.98% | 9.70% | 9.97% | 9.25% | 9.90% | -8 bps | |
| Net Interest Margin | 2.72% | 2.70% | 2.86% | 3.00% | 3.04% | 3.10% | 3.22% | 3.13% | +13 bps | |
| Efficiency Ratio | 66.07% | 65.48% | 66.50% | 60.48% | 60.10% | 58.45% | 55.92% | 56.62% | -386 bps | |
| Non-Interest Burden | 1.73% | 1.70% | 1.84% | 1.73% | 1.74% | 1.72% | 1.68% | 1.64% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.84% | 13.04% | 10.10% | 10.62% | 11.22% | 3.21% | 6.04% | 4.00% | -662 bps | |
| Loan Growth (YoY) | 14.64% | 10.75% | 5.13% | 5.18% | 2.55% | 3.09% | 6.67% | 4.80% | -39 bps | |
| Deposit Growth (YoY) | 12.77% | 13.95% | 19.20% | 10.34% | 10.67% | 3.21% | -0.09% | 2.75% | -760 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.20% | 1.21% | 1.24% | 1.39% | 2.17% | 3.02% | 2.57% | 3.04% | +165 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | -0.03% | -0.03% | 0.29% | 0.14% | +14 bps | |
| Allowance / Loans | 0.70% | 0.70% | 0.74% | 0.77% | 0.90% | 0.97% | 1.00% | 1.00% | +23 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.6x | 0.6x | 0.4x | 0.3x | 0.4x | 0.3x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.45% | 10.25% | 10.02% | 10.15% | 10.07% | 10.12% | 10.21% | 10.20% | +5 bps | |
| Total Risk-Based Capital | 14.64% | 14.30% | 14.56% | 14.32% | 14.77% | 14.66% | 14.08% | 14.65% | +33 bps | |
| Equity / Assets | 9.51% | 8.89% | 9.00% | 8.73% | 8.89% | 9.36% | 9.29% | 9.49% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.20% | 96.53% | 93.96% | 100.12% | 90.99% | 96.42% | 100.32% | 102.12% | +200 bps | |
| Liquid Assets / Assets | 1.00% | 1.22% | 0.84% | 0.85% | 5.02% | 0.90% | 0.69% | 0.74% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 194.16% | 188.39% | 184.55% | n/a | n/a | |