PackageTrendsPeer
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Ft Randall

Wagner, SD · Charter 7067

NCUA · 3 branches

Q2 2026

$44.2MAssets
$26.4MLoans
$36.4MShares
$7.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.04%, down 20 bps year over year; NIM at 5.31%.
  • Asset quality: problem loans at 1.12% of loans (+98 bps YoY).
  • Capital: net worth / assets of 17.52%, up 561 bps from a year ago.
  • Funding: loans stand at 72.59% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.04%-20 bps YoY

Net Interest Margin (YTD, annualized)

5.31%+8 bps YoY

Efficiency Ratio (YTD, annualized)

71.76%+143 bps YoY

Net Worth / Assets

17.52%+561 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.90%2.35%3.48%1.24%7.61%6.83%1.73%1.04%-20 bps
Return on Equity37.38%22.17%30.90%10.42%47.16%40.52%10.11%5.93%-449 bps
Net Interest Margin4.63%4.49%4.87%5.23%4.96%4.78%5.05%5.31%+8 bps
Efficiency Ratio48.29%48.58%68.36%70.33%42.64%42.78%71.91%71.76%+143 bps
Growth
Asset Growth (YoY)18.90%7.63%8.61%5.08%3.49%4.83%4.25%4.17%-91 bps
Loan Growth (YoY)13.08%14.68%16.05%14.29%15.64%9.55%7.73%3.86%-1,042 bps
Share Growth (YoY)7.45%8.38%8.98%4.72%0.12%4.57%4.28%4.27%-46 bps
Asset Quality
Delinquent Loans / Loans0.61%0.66%0.58%0.13%0.34%0.94%0.95%1.12%+98 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 Capital10.44%10.58%11.28%11.91%16.13%16.85%17.15%17.52%+561 bps
Net Worth / Assets10.44%10.58%11.28%11.91%16.13%16.85%17.15%17.52%+561 bps
Liquidity & Funding
Loans / Shares67.80%68.14%69.22%72.87%78.31%71.38%71.51%72.59%-28 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps