Lester Prairie, MN · Cert 8535
FDIC · 2 branches
Q4 2025
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.50% | 0.55% | -0.30% | 0.27% | -48 bps | |
| Return on Equity | 10.72% | 6.61% | 7.14% | -3.46% | 2.87% | -785 bps | |
| Net Interest Margin | 3.05% | 3.01% | 3.26% | 0.86% | 1.59% | -147 bps | |
| Efficiency Ratio | 73.87% | 80.53% | 80.15% | 46.90% | 54.53% | -1,935 bps | |
| Non-Interest Burden | 2.20% | 2.40% | 2.58% | 0.52% | 1.22% | -98 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.05% | 0.20% | 6.11% | 7.60% | 13.63% | +2,068 bps | |
| Loan Growth (YoY) | 0.11% | -1.12% | 3.26% | -7.82% | -2.87% | -298 bps | |
| Deposit Growth (YoY) | -4.31% | -1.02% | 4.92% | 3.17% | 8.24% | +1,255 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.96% | 0.97% | 0.95% | 1.03% | 0.76% | -20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.10% | 10.18% | 10.21% | 8.52% | 8.99% | -112 bps | |
| Total Risk-Based Capital | 10.10% | 10.18% | 10.21% | 17.27% | 19.16% | +906 bps | |
| Equity / Assets | 7.41% | 7.65% | 7.85% | 11.49% | 11.73% | +433 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.16% | 53.34% | 52.27% | 48.63% | 49.49% | -566 bps | |
| Liquid Assets / Assets | 16.80% | 21.04% | 23.94% | 26.84% | 28.01% | +1,121 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 221% | 207% | n/a | |