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 (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 | -0.21% | 0.60% | 0.52% | 0.59% | 0.66% | 0.65% | 0.55% | 0.71% | +12 bps | |
| Return on Equity | -1.39% | 3.92% | 3.48% | 3.92% | 4.30% | 4.21% | 3.58% | 4.71% | +80 bps | |
| Net Interest Margin | 2.32% | 2.42% | 2.48% | 2.55% | 2.60% | 2.56% | 2.60% | 2.72% | +17 bps | |
| Efficiency Ratio | 79.25% | 78.55% | 79.64% | 77.49% | 74.38% | 77.47% | 78.48% | 73.20% | -429 bps | |
| Non-Interest Burden | 1.63% | 1.68% | 1.79% | 1.74% | 1.68% | 1.75% | 1.85% | 1.71% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.86% | 1.70% | 3.50% | 3.80% | 4.70% | 5.87% | 6.09% | 5.22% | +142 bps | |
| Loan Growth (YoY) | -2.86% | -3.74% | -2.26% | -1.45% | -1.91% | -1.84% | -2.41% | -1.48% | -2 bps | |
| Deposit Growth (YoY) | -0.32% | 0.95% | 2.68% | 3.11% | 4.41% | 5.01% | 5.61% | 4.72% | +162 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.08% | 0.11% | 0.20% | 0.21% | 0.21% | 0.22% | 0.25% | +5 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.09% | 0.04% | 0.03% | 0.03% | 0.05% | 0.05% | 0.05% | +2 bps | |
| Allowance / Loans | 0.51% | 0.51% | 0.51% | 0.52% | 0.55% | 0.55% | 0.53% | 0.54% | +2 bps | |
| Allowance Coverage of NPLs | 5.3x | 6.6x | 4.8x | 2.6x | 2.6x | 2.6x | 2.4x | 2.1x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.60% | 16.75% | 16.55% | 16.49% | 16.57% | 16.68% | 16.37% | 16.25% | -24 bps | |
| Total Risk-Based Capital | 16.60% | 16.75% | 16.55% | 16.49% | 16.57% | 16.68% | 16.37% | 16.25% | -24 bps | |
| Equity / Assets | 15.35% | 15.05% | 14.88% | 15.37% | 15.56% | 15.56% | 14.95% | 15.41% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.51% | 71.05% | 67.77% | 69.29% | 68.13% | 66.42% | 62.62% | 65.18% | -410 bps | |
| Liquid Assets / Assets | 8.64% | 11.06% | 14.61% | 13.28% | 14.81% | 14.86% | 15.55% | 11.48% | -179 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 25.11% | 23.26% | 22.49% | n/a | n/a | |