Saint Peter, MN · Cert 5247 · Bancommunity Service Corp.
National charter · OCC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
23
Profitability
66
Liquidity
67
Efficiency
59
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Saint Peter, MN · Cert 5247 · Bancommunity Service Corp.
National charter · OCC · 4 branches
Q2 2026
Market Position · Mankato, MN · 2026 SOD (annual) · 6.3% share · #5 of 19 inst. · $0.2B of $3.5B
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 | 0.72% | 0.63% | -0.23% | 0.08% | 0.44% | 0.64% | 1.22% | 1.19% | +111 bps | |
| Return on Equity | 9.19% | 8.01% | -2.79% | 0.95% | 5.10% | 7.32% | 12.56% | 12.17% | +1,122 bps | |
| Net Interest Margin | 3.15% | 3.20% | 3.52% | 3.58% | 3.59% | 3.57% | 3.78% | 3.90% | +33 bps | |
| Efficiency Ratio | 71.00% | 70.34% | 61.96% | 63.78% | 63.68% | 63.54% | 63.31% | 64.88% | +110 bps | |
| Non-Interest Burden | 2.13% | 2.14% | 2.02% | 2.13% | 2.11% | 2.09% | 2.17% | 2.35% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.11% | 1.11% | -1.25% | -3.21% | -3.55% | -1.17% | -1.05% | 0.37% | +358 bps | |
| Loan Growth (YoY) | 0.52% | 0.39% | -2.52% | -5.24% | -4.29% | -0.35% | 0.91% | 0.59% | +582 bps | |
| Deposit Growth (YoY) | -1.83% | -1.82% | -0.91% | -4.71% | -4.12% | -1.80% | -2.29% | 2.01% | +672 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.00% | 2.02% | 1.55% | 1.34% | 1.42% | 1.36% | 1.31% | 1.12% | -22 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.12% | 2.19% | 1.98% | 1.42% | 1.03% | 0.24% | 0.19% | -179 bps | |
| Allowance / Loans | 1.27% | 1.50% | 1.58% | 1.45% | 1.40% | 1.34% | 1.32% | 1.29% | -16 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 1.0x | 1.1x | 1.0x | 1.0x | 1.0x | 1.2x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.23% | 8.66% | 8.79% | 8.93% | 9.31% | 9.37% | 9.85% | 9.81% | +89 bps | |
| Total Risk-Based Capital | 12.21% | 12.63% | 12.90% | 13.24% | 13.76% | 13.65% | 14.26% | 14.43% | +120 bps | |
| Equity / Assets | 8.07% | 7.97% | 8.45% | 8.84% | 9.38% | 9.44% | 10.03% | 9.89% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.50% | 86.38% | 86.47% | 89.34% | 89.34% | 87.65% | 89.30% | 88.09% | -125 bps | |
| Liquid Assets / Assets | 0.65% | 0.84% | 0.80% | 0.70% | 0.52% | 1.16% | 0.56% | 0.66% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 337% | 338% | 326% | n/a | n/a | |
Saint Peter, MN · Cert 5247 · Peer group: banks under $1B in assets (n=581-629) · Bancommunity Service Corp.
National charter · OCC · 4 branches
Q2 2026
Return on Assets
1.20%
Rank 240 of 629
Net Interest Margin
3.90%
Rank 195 of 629
Efficiency Ratio
64.88%
Rank 261 of 629
Equity / Assets
9.89%
Rank 384 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | 0.60% | 1.01% | 1.45% | Beats 62% | 240 / 629 | ||
| Return on Equity | 12.12% | 5.38% | 9.30% | 13.28% | Beats 68% | 202 / 629 | ||
| Net Interest Margin | 3.90% | 3.03% | 3.54% | 4.05% | Beats 69% | 195 / 629 | ||
| Efficiency Ratio | 64.88% | 58.35% | 67.79% | 79.08% | Beats 59% | 261 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.12% | 0.09% | 0.46% | 1.20% | Beats 27% | 423 / 581 | ||
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 19% | 471 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.18% | 11.24% | 13.84% | 18.77% | Beats 45% | 344 / 629 | ||
| Total Risk-Based Capital Ratio | 14.43% | 11.58% | 14.43% | 19.66% | Beats 50% | 315 / 629 | ||
| Equity / Assets | 9.89% | 9.09% | 10.65% | 13.80% | Beats 39% | 384 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.09% | 67.24% | 80.90% | 93.48% | 65th pctl | 209 / 594 | ||
| Loans / Assets | 75.09% | 53.31% | 67.71% | 78.15% | 66th pctl | 212 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||