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 | |