New Ulm, MN · Cert 8200 · Citizens Bcorp of New Ulm Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Mankato, MN · 2026 SOD (annual) · 1.5% share · #15 of 19 inst. · $0.1B of $3.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.31% | 0.44% | 0.31% | 0.69% | 0.56% | 0.80% | 0.90% | +59 bps | |
| Return on Equity | 6.19% | 3.73% | 5.30% | 3.69% | 7.99% | 6.35% | 8.95% | 9.90% | +621 bps | |
| Net Interest Margin | 2.36% | 2.43% | 2.50% | 2.58% | 2.66% | 2.79% | 2.94% | 3.02% | +43 bps | |
| Efficiency Ratio | 76.36% | 81.66% | 78.11% | 79.57% | 68.37% | 75.00% | 67.38% | 66.89% | -1,268 bps | |
| Non-Interest Burden | 1.69% | 1.88% | 1.89% | 1.99% | 1.67% | 1.98% | 1.87% | 1.87% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.23% | -3.99% | -0.92% | 2.89% | 5.93% | 4.47% | 2.24% | 2.71% | -18 bps | |
| Loan Growth (YoY) | 1.27% | 1.05% | 0.11% | 1.16% | 4.68% | 3.69% | 3.59% | 3.36% | +220 bps | |
| Deposit Growth (YoY) | -4.89% | -5.60% | -0.20% | 3.18% | 5.14% | 5.76% | 0.91% | 1.11% | -207 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.10% | 0.00% | 0.02% | 0.00% | 0.02% | 0.02% | 0.02% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.18% | 0.00% | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | -17 bps | |
| Allowance / Loans | 0.72% | 0.72% | 0.73% | 0.75% | 0.74% | 0.75% | 0.73% | 0.72% | -2 bps | |
| Allowance Coverage of NPLs | 6.5x | 7.5x | n/a | 41.8x | n/a | 31.2x | 29.5x | 33.3x | -8.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.19% | 9.13% | 9.24% | 9.06% | 9.14% | 9.05% | 9.39% | 9.33% | +27 bps | |
| Total Risk-Based Capital | 12.07% | 11.83% | 12.28% | 12.13% | 12.04% | 11.94% | 12.33% | 12.33% | +20 bps | |
| Equity / Assets | 8.62% | 8.12% | 8.43% | 8.54% | 8.70% | 8.80% | 9.12% | 9.04% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.53% | 81.77% | 76.80% | 79.34% | 80.18% | 80.16% | 78.84% | 81.11% | +177 bps | |
| Liquid Assets / Assets | 0.14% | 0.19% | 1.48% | 0.25% | 0.35% | 0.30% | 0.24% | 0.15% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 104.21% | 91.32% | 82.77% | n/a | n/a | |