Foley, MN · Cert 57603 · Centra Ventures Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · St. Cloud, MN · 2026 SOD (annual) · 6.8% share · #4 of 32 inst. · $0.5B of $7.9B
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 | 0.69% | 0.66% | 0.76% | 0.96% | 0.99% | 0.83% | 1.01% | 1.39% | +43 bps | |
| Return on Equity | 7.67% | 7.58% | 8.81% | 10.38% | 10.47% | 8.72% | 10.25% | 13.38% | +299 bps | |
| Net Interest Margin | 3.43% | 3.62% | 3.85% | 4.47% | 4.38% | 4.21% | 4.27% | 4.58% | +11 bps | |
| Efficiency Ratio | 75.06% | 70.36% | 64.42% | 63.19% | 61.93% | 65.59% | 61.64% | 60.44% | -275 bps | |
| Non-Interest Burden | 2.54% | 2.44% | 2.45% | 2.74% | 2.64% | 2.73% | 2.54% | 2.61% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.96% | 6.51% | 4.21% | 1.10% | 3.16% | -5.93% | -4.09% | -2.49% | -359 bps | |
| Loan Growth (YoY) | -2.51% | -1.69% | -1.49% | -1.93% | -2.75% | -3.72% | -3.06% | -2.91% | -98 bps | |
| Deposit Growth (YoY) | -1.34% | 7.15% | 4.27% | -0.69% | 1.56% | -7.56% | -5.29% | -2.57% | -188 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.17% | 1.03% | 0.91% | 0.76% | 1.23% | 1.47% | 1.13% | 1.04% | +28 bps | |
| Net Charge-Offs / Loans | 0.52% | 0.57% | 0.34% | 0.62% | 1.18% | 0.70% | 0.34% | 0.88% | +26 bps | |
| Allowance / Loans | 2.26% | 2.19% | 2.22% | 2.18% | 1.98% | 1.91% | 1.93% | 1.84% | -34 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.1x | 2.4x | 2.9x | 1.6x | 1.3x | 1.7x | 1.8x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.48% | 9.32% | 9.27% | 10.18% | 10.11% | 10.01% | 10.28% | 10.24% | +6 bps | |
| Total Risk-Based Capital | 9.48% | 9.32% | 9.27% | 10.18% | 10.11% | 10.01% | 10.28% | 10.24% | +6 bps | |
| Equity / Assets | 9.09% | 8.27% | 8.98% | 9.54% | 9.45% | 9.70% | 10.12% | 10.61% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.65% | 88.50% | 93.48% | 97.32% | 93.51% | 92.17% | 95.68% | 96.98% | -34 bps | |
| Liquid Assets / Assets | 4.22% | 13.04% | 8.38% | 6.15% | 9.91% | 8.25% | 3.45% | 2.34% | -381 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 353% | 372% | 366% | n/a | n/a | |