Milan, MN · Cert 8207 · Dakota Financial Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
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 | 1.01% | 1.09% | 1.14% | 1.06% | 1.06% | 1.12% | 1.06% | 1.10% | +3 bps | |
| Return on Equity | 12.93% | 13.43% | 13.81% | 12.40% | 12.00% | 12.14% | 10.96% | 11.02% | -137 bps | |
| Net Interest Margin | 3.06% | 3.36% | 3.65% | 3.38% | 3.56% | 3.74% | 3.92% | 3.93% | +55 bps | |
| Efficiency Ratio | 55.59% | 58.20% | 56.72% | 56.21% | 58.46% | 57.84% | 60.29% | 60.94% | +472 bps | |
| Non-Interest Burden | 1.62% | 1.89% | 1.99% | 1.81% | 2.00% | 2.11% | 2.30% | 2.33% | +52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.60% | -5.64% | -0.86% | 0.21% | -1.19% | -1.61% | -6.16% | -6.10% | -631 bps | |
| Loan Growth (YoY) | 6.36% | 11.09% | 6.69% | 5.81% | 6.64% | 0.33% | -0.22% | 1.17% | -464 bps | |
| Deposit Growth (YoY) | 0.92% | 4.47% | 4.24% | 6.24% | 4.89% | 7.16% | 2.87% | 0.89% | -536 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.84% | 3.94% | 2.06% | 2.32% | 0.79% | 2.16% | 9.72% | 1.82% | -50 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.31% | -0.03% | -0.03% | -0.04% | 0.07% | 0.00% | -0.01% | +2 bps | |
| Allowance / Loans | 1.63% | 1.56% | 1.64% | 1.68% | 1.72% | 1.81% | 1.91% | 1.90% | +22 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.4x | 0.8x | 0.7x | 2.2x | 0.8x | 0.2x | 1.0x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.51% | 8.66% | 9.04% | 8.97% | 9.10% | 9.40% | 10.01% | 9.85% | +88 bps | |
| Total Risk-Based Capital | 11.35% | 10.89% | 11.58% | 11.17% | 11.46% | 12.07% | 12.04% | 9.85% | -132 bps | |
| Equity / Assets | 8.11% | 8.09% | 8.50% | 8.66% | 9.02% | 9.36% | 9.94% | 9.94% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.76% | 83.49% | 85.52% | 87.59% | 88.21% | 78.17% | 82.95% | 87.84% | +24 bps | |
| Liquid Assets / Assets | 4.28% | 4.31% | 3.98% | 4.71% | 3.55% | 6.53% | 3.53% | 3.50% | -120 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 78.51% | 76.82% | 80.16% | n/a | n/a | |