Hamel, MN · Cert 8214
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
100
Profitability
24
Liquidity
0
Efficiency
60
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hamel, MN · Cert 8214
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #71 of 125 inst. · $0.2B of $253.2B
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 | 0.46% | 0.47% | 0.77% | 0.65% | 0.68% | 0.67% | 0.85% | 0.75% | +10 bps | |
| Return on Equity | 14.40% | 14.38% | 20.36% | 15.66% | 14.99% | 13.75% | 13.47% | 11.88% | -377 bps | |
| Net Interest Margin | 1.91% | 1.93% | 2.15% | 2.14% | 2.15% | 2.23% | 2.45% | 2.52% | +38 bps | |
| Efficiency Ratio | 70.03% | 70.19% | 61.18% | 64.84% | 61.50% | 63.26% | 58.97% | 61.58% | -327 bps | |
| Non-Interest Burden | 1.29% | 1.31% | 1.21% | 1.32% | 1.25% | 1.34% | 1.37% | 1.49% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.51% | 3.87% | 0.79% | -0.22% | 4.30% | 2.97% | -2.63% | -3.19% | -297 bps | |
| Loan Growth (YoY) | 9.63% | 4.49% | -0.23% | -0.76% | -1.76% | -3.08% | -1.45% | -4.53% | -377 bps | |
| Deposit Growth (YoY) | 2.38% | 8.87% | 8.30% | 3.62% | 7.83% | -0.37% | -0.61% | -0.84% | -446 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.06% | 0.00% | -0.03% | -0.02% | -0.01% | 0.00% | 0.00% | +3 bps | |
| Allowance / Loans | 1.35% | 1.36% | 1.37% | 1.42% | 1.41% | 1.42% | 1.41% | 1.49% | +7 bps | |
| Allowance Coverage of NPLs | 49.9x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.55% | 8.55% | 8.62% | 8.65% | 8.59% | 8.90% | 9.36% | 9.52% | +87 bps | |
| Total Risk-Based Capital | 20.70% | 20.50% | 20.84% | 21.71% | 22.73% | 23.80% | 9.36% | 9.52% | -1,218 bps | |
| Equity / Assets | 4.44% | 3.32% | 4.23% | 4.89% | 5.53% | 6.43% | 6.18% | 6.32% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.04% | 39.06% | 39.38% | 36.54% | 36.47% | 38.00% | 39.05% | 35.18% | -136 bps | |
| Liquid Assets / Assets | 12.78% | 10.99% | 9.75% | 9.23% | 9.47% | 10.54% | 6.58% | 9.37% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 185.17% | 172.55% | 171.04% | n/a | n/a | |
Hamel, MN · Cert 8214 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.74%
Rank 39 of 53
Net Interest Margin
2.52%
Rank 53 of 53
Efficiency Ratio
61.58%
Rank 22 of 53
Equity / Assets
6.32%
Rank 52 of 53
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.73% | 1.11% | 1.30% | Beats 26% | 39 / 53 | ||
| Return on Equity | 11.72% | 7.88% | 12.20% | 14.12% | Beats 47% | 28 / 53 | ||
| Net Interest Margin | 2.52% | 3.39% | 3.77% | 4.09% | Beats 0% | 53 / 53 | ||
| Efficiency Ratio | 61.58% | 56.05% | 65.05% | 71.57% | Beats 60% | 22 / 53 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.14% | 0.52% | 1.20% | Beats 100% | 3 / 53 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.08% | Beats 100% | 13 / 53 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.52% | 10.73% | 12.98% | 15.08% | Beats 2% | 52 / 53 | ||
| Total Risk-Based Capital Ratio | 9.52% | 11.49% | 13.79% | 16.34% | Beats 2% | 52 / 53 | ||
| Equity / Assets | 6.32% | 8.08% | 9.25% | 10.72% | Beats 2% | 52 / 53 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 35.18% | 72.13% | 82.29% | 93.80% | 0th pctl | 53 / 53 | ||
| Loans / Assets | 32.83% | 63.64% | 71.80% | 79.37% | 0th pctl | 53 / 53 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||