Rochester, MN · Cert 58536
State savings bank · OCC · 9 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 21.0% share · #1 of 34 inst. · $1.6B of $7.6B
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 | 0.56% | 0.59% | 0.61% | 0.55% | 0.63% | +8 bps | |
| Return on Equity | 3.70% | 3.91% | 3.99% | 3.58% | 4.15% | +44 bps | |
| Net Interest Margin | 2.50% | 2.53% | 2.53% | 2.60% | 2.64% | +14 bps | |
| Efficiency Ratio | 78.53% | 77.10% | 77.20% | 78.48% | 75.72% | -281 bps | |
| Non-Interest Burden | 1.76% | 1.72% | 1.73% | 1.85% | 1.76% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.80% | 4.70% | 5.87% | 6.09% | 5.22% | +142 bps | |
| Loan Growth (YoY) | -1.45% | -1.91% | -1.84% | -2.41% | -1.48% | -2 bps | |
| Deposit Growth (YoY) | 3.11% | 4.41% | 5.01% | 5.61% | 4.72% | +162 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.21% | 0.21% | 0.22% | 0.25% | +5 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.04% | 0.05% | 0.05% | +1 bps | |
| Allowance / Loans | 0.52% | 0.55% | 0.55% | 0.53% | 0.54% | +2 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.6x | 2.6x | 2.4x | 2.1x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.49% | 16.57% | 16.68% | 16.37% | 16.25% | -24 bps | |
| Total Risk-Based Capital | 16.49% | 16.57% | 16.68% | 16.37% | 16.25% | -24 bps | |
| Equity / Assets | 15.37% | 15.56% | 15.56% | 14.95% | 15.41% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.29% | 68.13% | 66.42% | 62.62% | 65.18% | -410 bps | |
| Liquid Assets / Assets | 13.28% | 14.81% | 14.86% | 15.55% | 11.48% | -179 bps | |
| CRE / Total Capital | n/a | 25.11% | 23.26% | 22.49% | n/a | n/a | |