Sioux Falls, SD · Cert 6085 · United National Corp.
State charter, Fed member · FED · 13 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.2% share · #5 of 42 inst. · $2.6B of $1127.8B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 1.39% | 1.37% | 1.39% | 1.48% | +12 bps | |
| Return on Equity | 10.01% | 10.15% | 10.48% | 11.14% | 11.49% | +148 bps | |
| Net Interest Margin | 3.09% | 3.13% | 3.04% | 3.14% | 3.13% | +4 bps | |
| Efficiency Ratio | 60.63% | 60.67% | 59.54% | 57.79% | 57.61% | -302 bps | |
| Non-Interest Burden | 1.25% | 1.27% | 1.20% | 1.21% | 1.16% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.82% | 7.43% | 24.09% | 13.99% | 16.46% | +1,364 bps | |
| Loan Growth (YoY) | 2.96% | 3.09% | 1.42% | 0.71% | -0.52% | -347 bps | |
| Deposit Growth (YoY) | -0.64% | 3.67% | 21.49% | 9.17% | 13.29% | +1,393 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.16% | 0.12% | 0.14% | 0.10% | -5 bps | |
| Net Charge-Offs / Loans | 0.30% | 0.28% | 0.32% | 0.24% | 0.19% | -11 bps | |
| Allowance / Loans | 1.45% | 1.45% | 1.45% | 1.45% | 1.44% | 0 bps | |
| Allowance Coverage of NPLs | 9.9x | 9.1x | 11.7x | 10.1x | 14.8x | +4.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.92% | 14.06% | 13.71% | 13.75% | 13.67% | -25 bps | |
| Total Risk-Based Capital | 20.23% | 20.33% | 21.03% | 21.36% | 21.18% | +94 bps | |
| Equity / Assets | 14.07% | 13.89% | 11.47% | 13.74% | 13.55% | -52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.05% | 81.27% | 61.73% | 74.36% | 73.81% | -1,024 bps | |
| Liquid Assets / Assets | 7.55% | 12.17% | 29.62% | 14.11% | 10.50% | +295 bps | |
| CRE / Total Capital | n/a | 104.65% | 102.76% | 96.52% | n/a | n/a | |