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 | |