Freeport, MN · Cert 8210 · Freeport Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · St. Cloud, MN · 2026 SOD (annual) · 1.9% share · #15 of 32 inst. · $0.1B of $7.9B
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 | 0.87% | 0.77% | 1.00% | 1.04% | 1.06% | 0.97% | 1.03% | 1.11% | +6 bps | |
| Return on Equity | 10.48% | 9.18% | 11.72% | 11.96% | 11.96% | 10.79% | 10.55% | 11.18% | -78 bps | |
| Net Interest Margin | 3.60% | 3.51% | 3.82% | 3.87% | 3.93% | 3.98% | 4.12% | 4.26% | +38 bps | |
| Efficiency Ratio | 68.96% | 72.52% | 65.04% | 64.19% | 64.01% | 68.21% | 66.10% | 64.44% | +25 bps | |
| Non-Interest Burden | 2.43% | 2.50% | 2.44% | 2.44% | 2.48% | 2.68% | 2.70% | 2.70% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.22% | 4.20% | 6.48% | 2.95% | 2.08% | 1.52% | -2.87% | -1.62% | -457 bps | |
| Loan Growth (YoY) | 9.05% | 10.33% | 7.59% | 8.00% | 6.13% | 7.08% | 7.60% | 4.51% | -349 bps | |
| Deposit Growth (YoY) | 5.18% | 3.72% | 6.19% | 2.12% | 1.46% | 0.60% | -4.39% | -2.63% | -475 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.84% | 0.84% | 0.86% | 0.83% | 0.84% | 0.85% | 0.86% | 0.85% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 19.3x | 188.2x | n/a | 977.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.69% | 9.36% | 9.37% | 9.57% | 9.85% | 9.99% | 10.38% | 10.69% | +111 bps | |
| Total Risk-Based Capital | 14.92% | 15.25% | 15.20% | 15.30% | 15.52% | 15.90% | 16.24% | 15.83% | +53 bps | |
| Equity / Assets | 8.54% | 8.61% | 8.48% | 9.07% | 9.20% | 9.60% | 9.93% | 10.19% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.84% | 68.46% | 66.27% | 72.02% | 70.97% | 72.87% | 74.57% | 77.30% | +528 bps | |
| Liquid Assets / Assets | 20.88% | 21.56% | 20.43% | 21.50% | 19.81% | 17.69% | 17.41% | 15.47% | -603 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 69.09% | 68.39% | 61.27% | n/a | n/a | |