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 | |