Bloomington, MN · Cert 59287 · Entrepreneurs Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
94
Profitability
72
Liquidity
31
Efficiency
83
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bloomington, MN · Cert 59287 · Entrepreneurs Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.2% share · #35 of 125 inst. · $0.5B 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 | 0.47% | 0.63% | 0.99% | 1.17% | 1.27% | 1.31% | 1.37% | 1.32% | +15 bps | |
| Return on Equity | 3.50% | 5.03% | 9.90% | 11.75% | 12.86% | 13.61% | 15.10% | 14.47% | +273 bps | |
| Net Interest Margin | 2.78% | 2.89% | 3.59% | 3.76% | 3.76% | 3.69% | 4.25% | 4.29% | +53 bps | |
| Efficiency Ratio | 67.80% | 62.10% | 55.63% | 54.23% | 52.50% | 50.27% | 52.09% | 51.28% | -294 bps | |
| Non-Interest Burden | 1.88% | 1.78% | 1.98% | 2.02% | 1.95% | 1.83% | 2.18% | 2.17% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 74.79% | 72.40% | 67.43% | 48.71% | 28.34% | 33.96% | 29.24% | 30.33% | -1,838 bps | |
| Loan Growth (YoY) | 59.47% | 55.29% | 45.27% | 42.15% | 46.67% | 43.23% | 37.32% | 42.00% | -15 bps | |
| Deposit Growth (YoY) | 89.80% | 85.48% | 77.79% | 54.42% | 29.81% | 35.76% | 30.07% | 31.48% | -2,295 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 1.07% | 1.07% | 1.07% | 1.01% | 0.99% | 1.00% | 1.12% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 42.4x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.58% | 10.89% | 10.02% | 10.33% | 10.02% | 9.75% | 9.33% | 9.61% | -73 bps | |
| Total Risk-Based Capital | 11.58% | 10.89% | 10.02% | 10.33% | 10.02% | 9.75% | 9.33% | 9.61% | -73 bps | |
| Equity / Assets | 10.62% | 10.17% | 9.79% | 9.82% | 9.63% | 9.02% | 9.14% | 9.10% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.28% | 90.64% | 90.95% | 88.84% | 92.97% | 95.62% | 96.01% | 95.95% | +711 bps | |
| Liquid Assets / Assets | 26.23% | 18.72% | 17.87% | 19.12% | 16.20% | 13.53% | 13.21% | 12.97% | -615 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 372% | 376% | 370% | n/a | n/a | |
Bloomington, MN · Cert 59287 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Entrepreneurs Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.26%
Rank 16 of 53
Net Interest Margin
4.29%
Rank 9 of 53
Efficiency Ratio
51.28%
Rank 10 of 53
Equity / Assets
9.10%
Rank 30 of 53
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.26% | 0.73% | 1.11% | 1.30% | Beats 70% | 16 / 53 | ||
| Return on Equity | 13.84% | 7.88% | 12.20% | 14.12% | Beats 64% | 19 / 53 | ||
| Net Interest Margin | 4.29% | 3.39% | 3.77% | 4.09% | Beats 83% | 9 / 53 | ||
| Efficiency Ratio | 51.28% | 56.05% | 65.05% | 71.57% | Beats 83% | 10 / 53 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.14% | 0.52% | 1.20% | Beats 87% | 8 / 53 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.08% | Beats 100% | 13 / 53 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.61% | 10.73% | 12.98% | 15.08% | Beats 4% | 51 / 53 | ||
| Total Risk-Based Capital Ratio | 9.61% | 11.49% | 13.79% | 16.34% | Beats 4% | 51 / 53 | ||
| Equity / Assets | 9.10% | 8.08% | 9.25% | 10.72% | Beats 43% | 30 / 53 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.95% | 72.13% | 82.29% | 93.80% | 77th pctl | 12 / 53 | ||
| Loans / Assets | 86.34% | 63.64% | 71.80% | 79.37% | 92nd pctl | 4 / 53 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||