Saint Paul, MN · Cert 8537 · Cherokee Bancshares Inc.
State charter, non-member · FDIC · 3 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
75
Asset Quality
67
Profitability
22
Liquidity
73
Efficiency
21
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.
Saint Paul, MN · Cert 8537 · Cherokee Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #48 of 125 inst. · $0.3B 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 | 0.51% | 0.59% | 0.31% | 0.53% | 0.62% | 0.68% | 0.49% | 0.15% | -38 bps | |
| Return on Equity | 7.30% | 8.31% | 4.19% | 7.03% | 8.14% | 8.82% | 6.09% | 1.63% | -541 bps | |
| Net Interest Margin | 3.18% | 3.30% | 3.35% | 3.48% | 3.52% | 3.52% | 3.55% | 3.82% | +34 bps | |
| Efficiency Ratio | 79.94% | 78.19% | 82.92% | 79.12% | 77.02% | 75.28% | 81.52% | 73.86% | -527 bps | |
| Non-Interest Burden | 2.44% | 2.46% | 2.69% | 2.65% | 2.58% | 2.52% | 2.81% | 2.69% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.83% | 2.99% | 5.12% | 3.25% | 5.31% | 5.52% | 5.54% | 1.79% | -146 bps | |
| Loan Growth (YoY) | 9.15% | 10.45% | 10.06% | 9.35% | 10.14% | 10.44% | 8.83% | 9.93% | +58 bps | |
| Deposit Growth (YoY) | -3.48% | -3.16% | -0.90% | -0.79% | 1.27% | 0.27% | 3.64% | -0.05% | +73 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.42% | 0.38% | 0.34% | 0.49% | 0.37% | 0.35% | 0.17% | -18 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.02% | -0.04% | -0.03% | -0.02% | 0.00% | 0.00% | +4 bps | |
| Allowance / Loans | 1.34% | 1.29% | 1.33% | 1.30% | 1.29% | 1.26% | 1.31% | 1.25% | -5 bps | |
| Allowance Coverage of NPLs | 3.7x | 3.1x | 3.5x | 3.8x | 2.6x | 3.4x | 3.8x | 7.5x | +3.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.94% | 9.13% | 8.98% | 9.10% | 9.17% | 9.20% | 9.25% | 11.01% | +191 bps | |
| Total Risk-Based Capital | 14.84% | 14.43% | 14.61% | 14.44% | 14.45% | 15.39% | 14.85% | 16.77% | +233 bps | |
| Equity / Assets | 7.59% | 7.27% | 7.42% | 7.83% | 7.97% | 8.19% | 8.02% | 10.64% | +281 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.67% | 76.53% | 76.10% | 79.75% | 80.13% | 84.29% | 79.92% | 87.72% | +797 bps | |
| Liquid Assets / Assets | 4.00% | 2.76% | 7.85% | 4.43% | 4.18% | 3.02% | 7.65% | 4.88% | +44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 412% | 418% | 401% | n/a | n/a | |
Saint Paul, MN · Cert 8537 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Cherokee Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.15%
Rank 50 of 53
Net Interest Margin
3.82%
Rank 25 of 53
Efficiency Ratio
73.86%
Rank 43 of 53
Equity / Assets
10.64%
Rank 15 of 53
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.15% | 0.73% | 1.11% | 1.30% | Beats 6% | 50 / 53 | ||
| Return on Equity | 1.39% | 7.88% | 12.20% | 14.12% | Beats 6% | 50 / 53 | ||
| Net Interest Margin | 3.82% | 3.39% | 3.77% | 4.09% | Beats 53% | 25 / 53 | ||
| Efficiency Ratio | 73.86% | 56.05% | 65.05% | 71.57% | Beats 21% | 43 / 53 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.14% | 0.52% | 1.20% | Beats 72% | 16 / 53 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.08% | Beats 62% | 21 / 53 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.52% | 10.73% | 12.98% | 15.08% | Beats 77% | 12 / 53 | ||
| Total Risk-Based Capital Ratio | 16.77% | 11.49% | 13.79% | 16.34% | Beats 77% | 12 / 53 | ||
| Equity / Assets | 10.64% | 8.08% | 9.25% | 10.72% | Beats 72% | 15 / 53 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.72% | 72.13% | 82.29% | 93.80% | 58th pctl | 22 / 53 | ||
| Loans / Assets | 72.77% | 63.64% | 71.80% | 79.37% | 55th pctl | 24 / 53 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||