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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 1.15% | 1.00% | 1.39% | 1.45% | 1.38% | 1.35% | 1.53% | +15 bps | |
| Return on Equity | 7.19% | 13.34% | 11.41% | 15.39% | 15.33% | 13.81% | 13.12% | 14.96% | -43 bps | |
| Net Interest Margin | 3.10% | 3.33% | 3.45% | 3.69% | 3.86% | 4.05% | 4.09% | 4.34% | +65 bps | |
| Efficiency Ratio | 71.04% | 60.99% | 67.66% | 58.07% | 58.34% | 64.59% | 62.77% | 56.63% | -144 bps | |
| Non-Interest Burden | 2.01% | 1.79% | 2.14% | 1.88% | 1.95% | 2.39% | 2.33% | 2.17% | +29 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% | 0.06% | 0.01% | 0.03% | 0.00% | 0.01% | 0.00% | 0.00% | -3 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 | |