Owatonna, MN · Cert 57468 · Community Financial Corp.
State charter, non-member · FDIC · 1 branch
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 | 0.12% | 0.03% | 0.32% | 0.40% | 0.56% | 0.63% | 0.84% | 0.81% | +41 bps | |
| Return on Equity | 2.05% | 0.48% | 5.36% | 6.49% | 8.97% | 9.93% | 12.14% | 11.59% | +510 bps | |
| Net Interest Margin | 2.37% | 2.32% | 2.59% | 2.71% | 2.76% | 2.95% | 3.43% | 3.31% | +59 bps | |
| Efficiency Ratio | 85.73% | 85.53% | 79.15% | 77.22% | 71.80% | 69.26% | 65.64% | 67.21% | -1,001 bps | |
| Non-Interest Burden | 1.99% | 1.95% | 2.00% | 2.04% | 1.87% | 1.92% | 2.16% | 2.14% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.66% | 0.77% | 2.47% | 5.05% | 2.56% | 5.67% | 6.00% | 9.81% | +476 bps | |
| Loan Growth (YoY) | 8.50% | 0.35% | 7.49% | 4.96% | 4.81% | 13.15% | 11.23% | 12.25% | +730 bps | |
| Deposit Growth (YoY) | 1.49% | 0.76% | 1.67% | 4.97% | 2.06% | 4.66% | 5.74% | 9.59% | +462 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.16% | 0.00% | 0.00% | 0.00% | 0.39% | 0.38% | 0.42% | +42 bps | |
| Net Charge-Offs / Loans | 0.68% | 0.57% | 0.45% | 0.23% | 0.15% | 0.10% | 0.00% | 0.00% | -23 bps | |
| Allowance / Loans | 0.71% | 0.93% | 0.85% | 0.90% | 0.95% | 0.93% | 0.94% | 0.98% | +8 bps | |
| Allowance Coverage of NPLs | 3.4x | 5.8x | n/a | n/a | n/a | 2.4x | 2.5x | 2.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.13% | 7.80% | 7.60% | 7.68% | 7.46% | 8.18% | 8.49% | 7.98% | +29 bps | |
| Total Risk-Based Capital | 11.73% | 11.79% | 11.47% | 11.76% | 11.49% | 11.80% | 12.04% | 12.18% | +42 bps | |
| Equity / Assets | 6.39% | 5.97% | 6.09% | 6.42% | 6.35% | 6.95% | 6.90% | 7.02% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.01% | 73.73% | 75.65% | 75.49% | 76.00% | 79.71% | 79.58% | 77.32% | +183 bps | |
| Liquid Assets / Assets | 1.05% | 1.05% | 1.03% | 1.04% | 1.03% | 1.00% | 0.98% | 0.95% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 268% | 267% | 264% | n/a | n/a | |