Mitchell, SD · Cert 6063 · Hopkins Financial Corp.
National charter · OCC · 37 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #47 of 125 inst. · $0.3B 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 | 0.14% | 0.24% | 0.42% | 0.44% | 0.47% | 0.53% | 0.27% | 0.38% | -5 bps | |
| Return on Equity | 1.82% | 3.06% | 4.96% | 5.11% | 5.46% | 6.04% | 3.00% | 4.31% | -80 bps | |
| Net Interest Margin | 3.02% | 3.04% | 3.33% | 3.38% | 3.43% | 3.46% | 3.41% | 3.41% | +3 bps | |
| Efficiency Ratio | 84.45% | 81.91% | 79.90% | 80.06% | 79.47% | 77.71% | 82.49% | 79.74% | -33 bps | |
| Non-Interest Burden | 2.43% | 2.34% | 2.51% | 2.54% | 2.56% | 2.50% | 2.71% | 2.57% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.08% | -5.08% | -3.97% | -1.26% | -2.67% | -1.32% | 6.39% | 3.36% | +462 bps | |
| Loan Growth (YoY) | -3.94% | -3.63% | -3.12% | -1.37% | -2.34% | -1.27% | -0.16% | 0.34% | +171 bps | |
| Deposit Growth (YoY) | -4.58% | -5.98% | -5.49% | -1.54% | -1.47% | 1.68% | 8.63% | 8.03% | +956 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.04% | 0.08% | 0.52% | 0.45% | 0.98% | 0.97% | 0.70% | +18 bps | |
| Net Charge-Offs / Loans | 0.94% | 0.93% | 0.70% | 0.62% | 0.59% | 0.58% | 0.72% | 0.71% | +9 bps | |
| Allowance / Loans | 1.45% | 1.42% | 1.38% | 1.34% | 1.33% | 1.30% | 1.26% | 1.19% | -15 bps | |
| Allowance Coverage of NPLs | 17.5x | 32.5x | 17.7x | 2.6x | 2.9x | 1.3x | 1.3x | 1.7x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.58% | 9.73% | 10.02% | 10.05% | 10.21% | 10.35% | 10.14% | 9.92% | -13 bps | |
| Total Risk-Based Capital | 13.82% | 13.93% | 14.36% | 14.24% | 14.62% | 14.47% | 14.52% | 14.30% | +6 bps | |
| Equity / Assets | 8.11% | 8.23% | 8.71% | 8.65% | 9.10% | 9.10% | 8.75% | 8.88% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.61% | 80.17% | 78.11% | 79.42% | 77.91% | 77.84% | 71.78% | 73.77% | -565 bps | |
| Liquid Assets / Assets | 15.78% | 15.64% | 15.82% | 15.32% | 15.45% | 15.05% | 17.00% | 14.11% | -121 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 326% | 331% | 328% | n/a | n/a | |