Polson, MT · Cert 58282 · Salish&Kootenai Bcorp
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.46% | 2.35% | 2.30% | 2.25% | 2.29% | -18 bps | |
| Return on Equity | 25.30% | 23.80% | 23.32% | 21.15% | 20.96% | -433 bps | |
| Net Interest Margin | 4.85% | 4.87% | 4.57% | 4.89% | 5.22% | +37 bps | |
| Efficiency Ratio | 35.44% | 37.63% | 37.86% | 36.98% | 38.94% | +350 bps | |
| Non-Interest Burden | 1.37% | 1.55% | 1.49% | 1.71% | 1.92% | +54 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.22% | 14.69% | 27.44% | 8.43% | 1.85% | -1,937 bps | |
| Loan Growth (YoY) | 0.26% | -1.65% | -1.00% | 0.98% | 9.51% | +925 bps | |
| Deposit Growth (YoY) | 21.29% | 14.31% | 27.20% | 5.95% | -0.46% | -2,175 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.78% | 2.89% | 2.95% | 3.06% | 2.85% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.91% | 10.92% | 10.58% | 11.35% | 13.03% | +212 bps | |
| Total Risk-Based Capital | 10.91% | 10.92% | 10.58% | 11.35% | 13.03% | +212 bps | |
| Equity / Assets | 9.73% | 10.27% | 9.81% | 11.52% | 11.48% | +175 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.77% | 57.97% | 51.72% | 57.12% | 62.46% | +569 bps | |
| Liquid Assets / Assets | 10.92% | 7.08% | 14.56% | 1.13% | 8.97% | -195 bps | |
| CRE / Total Capital | n/a | 253% | 227% | 208% | n/a | n/a | |