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 | |