Lino Lakes, MN · Cert 58039 · Ameri Financial Group Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.3% share · #21 of 125 inst. · $0.7B of $253.2B
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 | 0.73% | 0.75% | 0.75% | 0.79% | 0.82% | 0.65% | 0.67% | 0.90% | +10 bps | |
| Return on Equity | 8.17% | 8.39% | 8.57% | 9.19% | 9.58% | 7.75% | 7.80% | 10.08% | +89 bps | |
| Net Interest Margin | 2.70% | 2.77% | 3.23% | 3.35% | 3.35% | 3.40% | 3.64% | 3.37% | +3 bps | |
| Efficiency Ratio | 62.73% | 62.14% | 63.60% | 62.57% | 62.33% | 62.18% | 66.98% | 64.16% | +159 bps | |
| Non-Interest Burden | 1.63% | 1.65% | 2.00% | 2.02% | 2.02% | 2.03% | 2.40% | 2.06% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.05% | 19.16% | 23.06% | 20.89% | 19.42% | 25.12% | 25.74% | 47.38% | +2,648 bps | |
| Loan Growth (YoY) | 15.62% | 16.05% | 15.89% | 17.40% | 20.14% | 21.63% | 24.90% | 27.47% | +1,007 bps | |
| Deposit Growth (YoY) | 19.60% | 18.61% | 23.43% | 28.37% | 26.80% | 30.01% | 23.65% | 48.48% | +2,012 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.03% | 0.32% | 0.30% | 0.09% | 0.55% | 0.32% | 0.09% | -21 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.10% | 0.11% | 0.00% | 0.59% | +59 bps | |
| Allowance / Loans | 1.09% | 1.12% | 1.15% | 1.12% | 1.06% | 1.29% | 1.31% | 1.06% | -6 bps | |
| Allowance Coverage of NPLs | 105.8x | 35.6x | 3.6x | 3.8x | 12.2x | 2.4x | 4.1x | 11.5x | +7.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.29% | 8.42% | 8.14% | 8.13% | 8.09% | 8.14% | 9.29% | 8.34% | +21 bps | |
| Total Risk-Based Capital | 12.16% | 12.26% | 12.38% | 11.77% | 11.62% | 11.42% | 13.41% | 12.77% | +101 bps | |
| Equity / Assets | 8.74% | 8.90% | 8.66% | 8.36% | 8.38% | 7.96% | 9.30% | 9.26% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.24% | 106.33% | 102.25% | 102.97% | 100.66% | 99.47% | 103.28% | 88.40% | -1,457 bps | |
| Liquid Assets / Assets | 5.49% | 5.20% | 7.96% | 6.82% | 5.48% | 6.52% | 6.44% | 4.85% | -197 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 547% | 564% | 464% | n/a | n/a | |