Walker, MN · Cert 5269 · Walker Ban Co.
National charter · OCC · 10 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.99% | 2.08% | 1.99% | 1.97% | 2.03% | +4 bps | |
| Return on Equity | 16.87% | 17.59% | 17.16% | 16.84% | 16.95% | +8 bps | |
| Net Interest Margin | 4.50% | 4.47% | 4.52% | 4.33% | 4.50% | 0 bps | |
| Efficiency Ratio | 49.89% | 47.94% | 48.96% | 48.82% | 48.63% | -126 bps | |
| Non-Interest Burden | 1.88% | 1.73% | 1.85% | 1.70% | 1.78% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.04% | 4.98% | 7.39% | 8.21% | 8.07% | +3 bps | |
| Loan Growth (YoY) | 5.66% | 8.54% | 10.57% | 8.63% | 10.40% | +473 bps | |
| Deposit Growth (YoY) | 7.66% | 4.46% | 6.81% | 7.94% | 7.84% | +18 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.10% | 0.11% | 0.20% | 0.23% | +11 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.25% | 0.02% | 0.00% | 0.04% | +3 bps | |
| Allowance / Loans | 1.61% | 1.55% | 1.55% | 1.57% | 1.54% | -7 bps | |
| Allowance Coverage of NPLs | 13.6x | 15.2x | 13.8x | 8.0x | 6.7x | -6.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.03% | 11.87% | 11.36% | 11.98% | 12.14% | +10 bps | |
| Total Risk-Based Capital | 19.72% | 19.79% | 19.15% | 19.75% | 19.39% | -33 bps | |
| Equity / Assets | 11.78% | 11.88% | 11.36% | 12.02% | 11.94% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.42% | 82.99% | 82.66% | 84.81% | 85.40% | +198 bps | |
| Liquid Assets / Assets | 14.43% | 15.99% | 16.83% | 16.70% | 16.64% | +221 bps | |
| CRE / Total Capital | n/a | 204% | 214% | 197.71% | n/a | n/a | |