Saint Paul, MN · Cert 57405
FDIC
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=113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
99
Asset Quality
No peer data yet
Profitability
56
Liquidity
No peer data yet
Efficiency
4
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.
Saint Paul, MN · Cert 57405
FDIC
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 | 2.29% | 1.66% | 1.97% | 1.93% | 2.61% | +32 bps | |
| Return on Equity | 2.47% | 1.80% | 2.14% | 2.10% | 2.82% | +34 bps | |
| Net Interest Margin | 4.23% | 4.04% | 4.34% | 3.66% | 4.07% | -16 bps | |
| Efficiency Ratio | 88.90% | 91.25% | 90.32% | 89.62% | 88.08% | -83 bps | |
| Non-Interest Burden | 0.78% | 1.48% | 1.36% | 0.41% | 0.06% | -72 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.78% | 1.57% | 3.13% | 3.31% | 1.18% | -260 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 91.62% | 91.31% | 91.55% | 90.66% | 93.05% | +143 bps | |
| Total Risk-Based Capital | 110.02% | 109.45% | 115.46% | 115.16% | 122.48% | +1,246 bps | |
| Equity / Assets | 92.84% | 92.25% | 92.08% | 91.94% | 93.90% | +106 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |
Saint Paul, MN · Cert 57405 · Peer group: banks under $1B in assets in MN (n=113)
FDIC
Q2 2026
Return on Assets
2.63%
Rank 2 of 113
Net Interest Margin
4.07%
Rank 43 of 113
Efficiency Ratio
90.84%
Rank 109 of 113
Equity / Assets
93.90%
Rank 1 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.63% | 0.87% | 1.20% | 1.41% | Beats 98% | 2 / 113 | |
| Return on Equity | 2.80% | 8.92% | 11.27% | 13.99% | Beats 8% | 104 / 113 | |
| Net Interest Margin | 4.07% | 3.42% | 3.88% | 4.31% | Beats 62% | 43 / 113 | |
| Efficiency Ratio | 90.84% | 54.13% | 61.48% | 69.86% | Beats 4% | 109 / 113 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | Not reported for this institution | |||||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 122.48% | 11.53% | 13.31% | 18.13% | Beats 99% | 1 / 113 | |
| Total Risk-Based Capital Ratio | 122.48% | 12.12% | 14.43% | 19.39% | Beats 99% | 1 / 113 | |
| Equity / Assets | 93.90% | 8.52% | 10.10% | 11.94% | Beats 99% | 1 / 113 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | Not reported for this institution | |||||
| Loans / Assets | 0.00% | 55.01% | 66.35% | 75.50% | 0th pctl | 112 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||