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Letter portraitLegal landscapeQuarterYTD

Potlatch No. 1 Financial

Lewiston, ID · Charter 68700

NCUA · 27 branches

Q2 2026

$2.2BAssets
$1.8BLoans
$1.8BShares
$190.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.76%, up 17 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.40% of loans (-4 bps YoY).
  • Capital: net worth / assets of 8.81%, up 40 bps from a year ago.
  • Funding: loans stand at 95.61% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.76%+17 bps YoY

Net Interest Margin (quarter, annualized)

3.48%+13 bps YoY

Efficiency Ratio (quarter, annualized)

78.34%+183 bps YoY

Net Worth / Assets

8.81%+40 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%-0.20%0.43%0.59%0.65%0.66%0.60%0.76%+17 bps
Return on Equity0.47%-2.44%5.12%7.01%7.53%7.63%6.88%8.59%+158 bps
Net Interest Margin2.90%3.00%3.27%3.35%3.42%3.44%3.44%3.48%+13 bps
Efficiency Ratio87.39%87.95%79.30%76.51%77.95%78.07%78.89%78.34%+183 bps
Growth
Asset Growth (YoY)-2.22%-3.57%-4.46%-2.58%-0.94%1.06%2.48%1.31%+389 bps
Loan Growth (YoY)-2.56%-2.19%-1.18%0.43%-1.91%-1.83%-1.92%-1.23%-165 bps
Share Growth (YoY)0.00%-0.59%-2.13%-2.76%-2.42%-1.21%0.79%0.79%+355 bps
Asset Quality
Delinquent Loans / Loans0.37%0.50%0.39%0.43%0.45%0.56%0.32%0.40%-4 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 Capital8.34%8.18%8.33%8.41%8.62%8.70%8.77%8.81%+40 bps
Net Worth / Assets8.34%8.18%8.33%8.41%8.62%8.70%8.77%8.81%+40 bps
Liquidity & Funding
Loans / Shares93.76%94.03%94.33%97.57%94.25%93.44%91.79%95.61%-195 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps