Bloomington, MN · Cert 59337
FDIC
Q2 2026
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 | 19.65% | 19.66% | 21.13% | 18.18% | 16.55% | 26.79% | 18.57% | 15.02% | -316 bps | |
| Return on Equity | 23.68% | 23.07% | 24.34% | 21.48% | 19.56% | 30.64% | 20.74% | 16.43% | -505 bps | |
| Net Interest Margin | 3.32% | 3.36% | 2.70% | 3.36% | 3.82% | 3.45% | 3.11% | 3.04% | -32 bps | |
| Efficiency Ratio | 80.23% | 76.94% | 78.06% | 78.17% | 77.02% | 72.18% | 73.43% | 70.44% | -772 bps | |
| Non-Interest Burden | -21.02% | -22.92% | -25.29% | -20.65% | -18.38% | -26.41% | -21.64% | -15.95% | +470 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.39% | 22.30% | 25.33% | 25.98% | 20.11% | 25.39% | 20.28% | 62.70% | +3,672 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 84.35% | 86.78% | 88.82% | 85.85% | 86.86% | 89.36% | 91.83% | 104.15% | +1,829 bps | |
| Total Risk-Based Capital | 84.35% | 86.78% | 88.82% | 85.85% | 86.86% | 89.36% | 91.83% | 104.15% | +1,829 bps | |
| Equity / Assets | 82.20% | 88.26% | 85.50% | 83.88% | 85.35% | 89.49% | 89.59% | 92.67% | +880 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 64.17% | 89.49% | 92.01% | 88.50% | 93.51% | +2,934 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |