Bloomington, MN · Cert 59337
FDIC
Q2 2026
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 | 21.34% | 21.03% | 21.13% | 19.62% | 18.60% | 20.83% | 18.57% | 16.10% | -352 bps | |
| Return on Equity | 25.55% | 24.87% | 24.34% | 22.87% | 21.72% | 24.09% | 20.74% | 17.71% | -516 bps | |
| Net Interest Margin | 3.20% | 3.17% | 2.70% | 2.92% | 3.15% | 3.11% | 3.11% | 2.69% | -23 bps | |
| Efficiency Ratio | 79.97% | 79.24% | 78.06% | 78.11% | 77.78% | 76.31% | 73.43% | 72.00% | -611 bps | |
| Non-Interest Burden | -21.64% | -21.50% | -25.29% | -21.91% | -20.20% | -21.04% | -21.64% | -16.13% | +578 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 | |