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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 1.42% | 1.41% | 1.74% | 1.76% | +40 bps | |
| Return on Equity | 17.32% | 17.71% | 17.56% | 21.02% | 21.28% | +396 bps | |
| Net Interest Margin | 4.46% | 4.49% | 4.52% | 4.78% | 4.88% | +42 bps | |
| Efficiency Ratio | 63.39% | 61.02% | 61.84% | 56.38% | 56.49% | -690 bps | |
| Non-Interest Burden | 2.64% | 2.52% | 2.57% | 2.49% | 2.53% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.77% | 4.94% | 6.22% | 3.95% | 7.23% | +246 bps | |
| Loan Growth (YoY) | 3.78% | 5.70% | 9.76% | 8.08% | 8.87% | +510 bps | |
| Deposit Growth (YoY) | 5.73% | 6.23% | 6.91% | 3.14% | 7.17% | +144 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.00% | 0.00% | 0.03% | 0.06% | -4 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.00% | 0.01% | 0.01% | +3 bps | |
| Allowance / Loans | 1.37% | 1.31% | 1.27% | 1.28% | 1.28% | -9 bps | |
| Allowance Coverage of NPLs | 13.4x | n/a | n/a | 41.9x | 22.4x | +9.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.48% | 8.43% | 8.22% | 8.53% | 8.43% | -5 bps | |
| Total Risk-Based Capital | 13.45% | 13.69% | 13.13% | 13.79% | 13.46% | +1 bps | |
| Equity / Assets | 8.22% | 8.43% | 8.08% | 8.51% | 8.26% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.65% | 83.15% | 81.32% | 82.61% | 81.93% | +128 bps | |
| Liquid Assets / Assets | 9.06% | 7.07% | 9.29% | 8.36% | 8.65% | -41 bps | |
| CRE / Total Capital | n/a | 260% | 283% | 268% | n/a | n/a | |