Minneapolis, MN · Cert 58303 · Ameriprise Financial Inc.
State savings bank · OCC · 2 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 9.5% share · #3 of 125 inst. · $23.9B 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 | 3.19% | 3.15% | 3.04% | 3.10% | 3.10% | 3.08% | 3.06% | 3.05% | -5 bps | |
| Return on Equity | 64.79% | 64.19% | 58.39% | 56.22% | 53.64% | 52.44% | 50.40% | 50.95% | -528 bps | |
| Net Interest Margin | 4.43% | 4.31% | 4.30% | 4.36% | 4.40% | 4.30% | 4.35% | 4.37% | +1 bps | |
| Efficiency Ratio | 9.06% | 9.49% | 9.80% | 9.69% | 9.75% | 9.87% | 9.67% | 9.99% | +30 bps | |
| Non-Interest Burden | 0.32% | 0.33% | 0.36% | 0.36% | 0.37% | 0.36% | 0.36% | 0.38% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.99% | 4.47% | 7.19% | 5.96% | 4.71% | 7.24% | 5.53% | 6.13% | +17 bps | |
| Loan Growth (YoY) | 34.95% | 39.13% | 39.93% | 35.60% | 45.28% | 46.48% | 62.62% | 71.80% | +3,620 bps | |
| Deposit Growth (YoY) | 3.63% | 3.76% | 6.29% | 4.80% | 3.97% | 6.08% | 4.87% | 6.41% | +161 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.19% | 0.18% | 0.17% | 0.16% | 0.17% | 0.18% | 0.18% | +2 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.22% | 0.21% | 0.21% | 0.18% | 0.16% | 0.12% | 0.10% | -10 bps | |
| Allowance / Loans | 0.79% | 0.71% | 0.76% | 0.70% | 0.62% | 0.58% | 0.48% | 0.46% | -24 bps | |
| Allowance Coverage of NPLs | 5.3x | 3.7x | 4.2x | 4.2x | 4.0x | 3.4x | 2.8x | 2.5x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.39% | 7.35% | 7.46% | 7.62% | 7.74% | 7.32% | 7.28% | 7.38% | -24 bps | |
| Total Risk-Based Capital | 35.75% | 34.06% | 33.64% | 35.10% | 35.47% | 32.83% | 31.37% | 30.57% | -453 bps | |
| Equity / Assets | 5.92% | 4.82% | 5.60% | 6.12% | 6.53% | 6.25% | 5.89% | 5.84% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 5.50% | 5.94% | 6.21% | 6.81% | 7.69% | 8.20% | 9.63% | 10.99% | +418 bps | |
| Liquid Assets / Assets | 11.98% | 10.72% | 7.28% | 10.16% | 13.68% | 11.58% | 10.47% | 9.69% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |