Waseca, MN · Cert 5270 · Frankson Investment Corp.
National charter · OCC · 3 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.24% | 1.19% | 1.52% | 1.54% | 1.39% | 1.74% | 1.79% | +27 bps | |
| Return on Equity | 14.62% | 15.82% | 15.53% | 19.07% | 18.46% | 16.80% | 21.02% | 21.34% | +227 bps | |
| Net Interest Margin | 4.07% | 4.35% | 4.36% | 4.64% | 4.72% | 4.87% | 4.78% | 4.94% | +30 bps | |
| Efficiency Ratio | 68.83% | 66.70% | 67.62% | 59.47% | 56.73% | 64.06% | 56.38% | 56.60% | -287 bps | |
| Non-Interest Burden | 2.58% | 2.72% | 2.78% | 2.55% | 2.39% | 2.89% | 2.49% | 2.56% | +1 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 | 0.00% | 0.00% | -0.04% | 0.00% | 0.00% | 0.01% | 0.01% | 0.02% | +1 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 | |