PackageTrendsPeer
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Town and Country

Minot, ND · Charter 60790

NCUA · 10 branches

Q2 2026

$771.1MAssets
$678.4MLoans
$665.3MShares
$100.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.93%, up 6 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 1.63% of loans (+73 bps YoY).
  • Capital: net worth / assets of 13.06%, up 49 bps from a year ago.
  • Funding: loans stand at 101.97% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.93%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+24 bps YoY

Efficiency Ratio (YTD, annualized)

71.47%-654 bps YoY

Net Worth / Assets

13.06%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.68%0.60%0.87%0.96%1.12%0.87%0.93%+6 bps
Return on Equity4.57%5.50%4.92%6.94%7.57%8.77%6.91%7.12%+18 bps
Net Interest Margin3.39%3.39%3.46%3.68%3.76%3.71%3.78%3.91%+24 bps
Efficiency Ratio86.57%86.09%79.22%78.02%77.39%77.56%75.69%71.47%-654 bps
Growth
Asset Growth (YoY)4.91%4.90%5.38%4.93%4.47%5.92%6.65%5.61%+68 bps
Loan Growth (YoY)4.05%3.90%5.20%3.49%3.47%2.81%3.92%6.99%+350 bps
Share Growth (YoY)4.84%4.95%5.64%4.48%4.27%5.73%6.27%5.34%+85 bps
Asset Quality
Delinquent Loans / Loans0.35%0.39%0.95%0.90%0.49%0.40%0.26%1.63%+73 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.30%12.36%12.28%12.57%12.75%12.79%12.64%13.06%+49 bps
Net Worth / Assets12.30%12.36%12.28%12.57%12.75%12.79%12.64%13.06%+49 bps
Liquidity & Funding
Loans / Shares101.05%100.18%96.11%100.40%100.27%97.42%93.98%101.97%+157 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps