Sauk Centre, MN · Cert 5249 · Sauk Ctr Finl Services Inc.
National charter · OCC · 3 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
35
Asset Quality
59
Profitability
78
Liquidity
37
Efficiency
73
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.
Sauk Centre, MN · Cert 5249 · Sauk Ctr Finl Services Inc.
National charter · OCC · 3 branches
Q2 2026
Market Position · St. Cloud, MN · 2026 SOD (annual) · 2.2% share · #13 of 32 inst. · $0.2B of $7.9B
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 | 0.82% | 0.90% | 1.00% | 1.19% | 1.28% | 1.31% | 1.35% | 1.43% | +24 bps | |
| Return on Equity | 10.27% | 11.13% | 11.41% | 13.41% | 14.07% | 14.05% | 13.12% | 14.01% | +60 bps | |
| Net Interest Margin | 3.03% | 3.10% | 3.45% | 3.57% | 3.69% | 3.82% | 4.09% | 4.22% | +65 bps | |
| Efficiency Ratio | 70.03% | 67.64% | 67.66% | 62.69% | 61.15% | 62.05% | 62.77% | 59.61% | -307 bps | |
| Non-Interest Burden | 1.93% | 1.89% | 2.14% | 2.01% | 2.00% | 2.12% | 2.33% | 2.26% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.70% | -6.25% | 2.25% | 1.28% | -2.56% | -3.69% | -5.95% | -2.13% | -342 bps | |
| Loan Growth (YoY) | 16.15% | 10.65% | 10.39% | 8.23% | 4.19% | 3.05% | -1.84% | 3.25% | -499 bps | |
| Deposit Growth (YoY) | 2.61% | -12.71% | -1.72% | -0.88% | -3.75% | -2.60% | 2.85% | 4.97% | +585 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.38% | 0.07% | 0.15% | 0.09% | 0.09% | 0.42% | 0.49% | +34 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.01% | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.16% | 1.15% | 1.10% | 1.08% | 1.11% | 1.08% | 1.08% | 1.06% | -2 bps | |
| Allowance Coverage of NPLs | 2.4x | 3.0x | 15.1x | 7.4x | 12.8x | 12.4x | 2.6x | 2.2x | -5.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.22% | 8.46% | 8.53% | 8.78% | 9.01% | 9.24% | 9.57% | 9.77% | +99 bps | |
| Total Risk-Based Capital | 11.72% | 11.79% | 11.58% | 12.17% | 12.63% | 12.95% | 13.07% | 12.61% | +44 bps | |
| Equity / Assets | 8.58% | 8.65% | 8.84% | 9.18% | 9.80% | 10.17% | 10.36% | 10.15% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.87% | 87.59% | 94.59% | 96.43% | 94.03% | 92.68% | 90.29% | 94.84% | -158 bps | |
| Liquid Assets / Assets | 2.56% | 4.31% | 1.91% | 2.23% | 1.29% | 1.66% | 1.24% | 1.32% | -91 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 323% | 307% | 307% | n/a | n/a | |
Sauk Centre, MN · Cert 5249 · Peer group: banks under $1B in assets (n=581-629) · Sauk Ctr Finl Services Inc.
National charter · OCC · 3 branches
Q2 2026
Return on Assets
1.40%
Rank 169 of 629
Net Interest Margin
4.22%
Rank 115 of 629
Efficiency Ratio
59.61%
Rank 173 of 629
Equity / Assets
10.15%
Rank 368 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.40% | 0.60% | 1.01% | 1.45% | Beats 73% | 169 / 629 | ||
| Return on Equity | 13.81% | 5.38% | 9.30% | 13.28% | Beats 78% | 138 / 629 | ||
| Net Interest Margin | 4.22% | 3.03% | 3.54% | 4.05% | Beats 82% | 115 / 629 | ||
| Efficiency Ratio | 59.61% | 58.35% | 67.79% | 79.08% | Beats 73% | 173 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.09% | 0.46% | 1.20% | Beats 48% | 302 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 69% | 184 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.55% | 11.24% | 13.84% | 18.77% | Beats 29% | 448 / 629 | ||
| Total Risk-Based Capital Ratio | 12.61% | 11.58% | 14.43% | 19.66% | Beats 34% | 412 / 629 | ||
| Equity / Assets | 10.15% | 9.09% | 10.65% | 13.80% | Beats 41% | 368 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.84% | 67.24% | 80.90% | 93.48% | 78th pctl | 131 / 594 | ||
| Loans / Assets | 80.69% | 53.31% | 67.71% | 78.15% | 82nd pctl | 111 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||