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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.72% | 0.64% | 0.85% | 0.67% | +12 bps | |
| Return on Equity | 11.91% | 13.87% | 10.76% | 13.47% | 10.64% | -128 bps | |
| Net Interest Margin | 2.17% | 2.29% | 2.35% | 2.45% | 2.60% | +43 bps | |
| Efficiency Ratio | 68.59% | 55.29% | 68.27% | 58.97% | 64.03% | -456 bps | |
| Non-Interest Burden | 1.44% | 1.20% | 1.56% | 1.37% | 1.61% | +16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.22% | 4.30% | 2.97% | -2.63% | -3.19% | -297 bps | |
| Loan Growth (YoY) | -0.76% | -1.76% | -3.08% | -1.45% | -4.53% | -377 bps | |
| Deposit Growth (YoY) | 3.62% | 7.83% | -0.37% | -0.61% | -0.84% | -446 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.05% | 0.00% | 0.00% | 0.00% | 0.00% | +5 bps | |
| Allowance / Loans | 1.42% | 1.41% | 1.42% | 1.41% | 1.49% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.65% | 8.59% | 8.90% | 9.36% | 9.52% | +87 bps | |
| Total Risk-Based Capital | 21.71% | 22.73% | 23.80% | 9.36% | 9.52% | -1,218 bps | |
| Equity / Assets | 4.89% | 5.53% | 6.43% | 6.18% | 6.32% | +144 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 36.54% | 36.47% | 38.00% | 39.05% | 35.18% | -136 bps | |
| Liquid Assets / Assets | 9.23% | 9.47% | 10.54% | 6.58% | 9.37% | +15 bps | |
| CRE / Total Capital | n/a | 185.17% | 172.55% | 171.04% | n/a | n/a | |