Waseca, MN · Cert 5270 · Frankson Investment Corp.
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 in MN (n=111 to 113). 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
63
Profitability
94
Liquidity
80
Efficiency
66
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.
Waseca, MN · Cert 5270 · Frankson Investment Corp.
National charter · OCC · 3 branches
Q2 2026
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 | 0.92% | 1.00% | 1.19% | 1.36% | 1.42% | 1.41% | 1.74% | 1.76% | +40 bps | |
| Return on Equity | 11.67% | 12.81% | 15.53% | 17.32% | 17.71% | 17.56% | 21.02% | 21.28% | +396 bps | |
| Net Interest Margin | 3.82% | 3.94% | 4.36% | 4.46% | 4.49% | 4.52% | 4.78% | 4.88% | +42 bps | |
| Efficiency Ratio | 73.39% | 71.58% | 67.62% | 63.39% | 61.02% | 61.84% | 56.38% | 56.49% | -690 bps | |
| Non-Interest Burden | 2.64% | 2.66% | 2.78% | 2.64% | 2.52% | 2.57% | 2.49% | 2.53% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.63% | 6.80% | 5.43% | 4.77% | 4.94% | 6.22% | 3.95% | 7.23% | +246 bps | |
| Loan Growth (YoY) | 5.02% | 4.81% | 6.50% | 3.78% | 5.70% | 9.76% | 8.08% | 8.87% | +510 bps | |
| Deposit Growth (YoY) | 5.76% | 7.09% | 6.73% | 5.73% | 6.23% | 6.91% | 3.14% | 7.17% | +144 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.48% | 0.39% | 0.10% | 0.00% | 0.00% | 0.03% | 0.06% | -4 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | -0.04% | -0.02% | -0.01% | 0.00% | 0.01% | 0.01% | +3 bps | |
| Allowance / Loans | 1.34% | 1.35% | 1.33% | 1.37% | 1.31% | 1.27% | 1.28% | 1.28% | -9 bps | |
| Allowance Coverage of NPLs | 3.4x | 2.8x | 3.4x | 13.4x | n/a | n/a | 41.9x | 22.4x | +9.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.43% | 8.37% | 8.41% | 8.48% | 8.43% | 8.22% | 8.53% | 8.43% | -5 bps | |
| Total Risk-Based Capital | 13.14% | 13.19% | 13.32% | 13.45% | 13.69% | 13.13% | 13.79% | 13.46% | +1 bps | |
| Equity / Assets | 8.15% | 7.59% | 7.74% | 8.22% | 8.43% | 8.08% | 8.51% | 8.26% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.56% | 79.20% | 78.83% | 80.65% | 83.15% | 81.32% | 82.61% | 81.93% | +128 bps | |
| Liquid Assets / Assets | 6.48% | 10.21% | 10.65% | 9.06% | 7.07% | 9.29% | 8.36% | 8.65% | -41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 260% | 283% | 268% | n/a | n/a | |
Waseca, MN · Cert 5270 · Peer group: banks under $1B in assets in MN (n=111-113) · Frankson Investment Corp.
National charter · OCC · 3 branches
Q2 2026
Return on Assets
1.75%
Rank 13 of 113
Net Interest Margin
4.88%
Rank 7 of 113
Efficiency Ratio
56.49%
Rank 39 of 113
Equity / Assets
8.26%
Rank 88 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.75% | 0.87% | 1.20% | 1.41% | Beats 88% | 13 / 113 | ||
| Return on Equity | 21.18% | 8.92% | 11.27% | 13.99% | Beats 99% | 1 / 113 | ||
| Net Interest Margin | 4.88% | 3.42% | 3.88% | 4.31% | Beats 94% | 7 / 113 | ||
| Efficiency Ratio | 56.49% | 54.13% | 61.48% | 69.86% | Beats 66% | 39 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.09% | 0.58% | 1.82% | Beats 80% | 23 / 111 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.04% | Beats 46% | 62 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.21% | 11.53% | 13.31% | 18.13% | Beats 39% | 69 / 113 | ||
| Total Risk-Based Capital Ratio | 13.46% | 12.12% | 14.43% | 19.39% | Beats 44% | 63 / 113 | ||
| Equity / Assets | 8.26% | 8.52% | 10.10% | 11.94% | Beats 22% | 88 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.93% | 62.08% | 77.32% | 88.06% | 61st pctl | 43 / 111 | ||
| Loans / Assets | 73.97% | 55.01% | 66.35% | 75.50% | 67th pctl | 37 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||