Red Wing, MN · Cert 8191 · Noble Bank Holding Co. Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 0.4% share · #32 of 34 inst. · $0.0B of $7.6B
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 | 0.04% | 0.07% | -0.31% | -0.05% | 0.11% | 0.14% | -0.07% | -0.02% | +2 bps | |
| Return on Equity | 3.46% | 5.52% | -21.90% | -2.56% | 4.95% | 5.75% | -2.00% | -0.66% | +190 bps | |
| Net Interest Margin | 2.00% | 2.01% | 2.08% | 2.11% | 2.21% | 2.29% | 2.41% | 2.39% | +28 bps | |
| Efficiency Ratio | 97.68% | 96.30% | 112.84% | 101.78% | 94.64% | 92.98% | 102.46% | 100.78% | -99 bps | |
| Non-Interest Burden | 1.94% | 1.92% | 2.36% | 2.14% | 2.07% | 2.11% | 2.46% | 2.40% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.76% | -1.08% | -0.13% | 6.73% | 2.28% | 6.45% | 2.58% | 1.62% | -510 bps | |
| Loan Growth (YoY) | 7.38% | -2.44% | -0.76% | 7.04% | 6.23% | 6.99% | 3.52% | -2.10% | -914 bps | |
| Deposit Growth (YoY) | 2.13% | 3.03% | 5.81% | 8.17% | 4.88% | 3.50% | 1.08% | 0.54% | -763 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.13% | 1.32% | 1.45% | 1.03% | 1.05% | 1.07% | 1.07% | -38 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.91% | 0.93% | 0.91% | 0.87% | 0.84% | 0.83% | 0.85% | 0.85% | -2 bps | |
| Allowance Coverage of NPLs | n/a | 0.8x | 0.7x | 0.6x | 0.8x | 0.8x | 0.8x | 0.8x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.04% | 9.00% | 9.08% | 8.87% | 8.98% | 9.12% | 9.10% | 8.96% | +9 bps | |
| Total Risk-Based Capital | 21.20% | 21.84% | 21.60% | 20.99% | 21.00% | 21.35% | 21.90% | 22.60% | +161 bps | |
| Equity / Assets | 2.63% | 1.00% | 1.81% | 2.54% | 3.25% | 3.76% | 3.26% | 3.58% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.33% | 41.31% | 41.16% | 42.65% | 43.88% | 42.70% | 42.16% | 41.53% | -112 bps | |
| Liquid Assets / Assets | 6.28% | 7.21% | 9.21% | 9.88% | 11.08% | 13.21% | 13.97% | 15.06% | +518 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 102.48% | 101.91% | 96.13% | n/a | n/a | |