Perham, MN · Cert 8544 · Perham State 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 MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
26
Profitability
22
Liquidity
60
Efficiency
15
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.
Perham, MN · Cert 8544 · Perham State Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 0.78% | 0.75% | 0.76% | 0.79% | 0.91% | 0.92% | 0.78% | 0.78% | -2 bps | |
| Return on Equity | 11.51% | 11.25% | 11.46% | 11.75% | 12.97% | 12.68% | 9.67% | 9.57% | -218 bps | |
| Net Interest Margin | 2.85% | 2.87% | 3.07% | 3.12% | 3.14% | 3.14% | 3.15% | 3.16% | +4 bps | |
| Efficiency Ratio | 72.01% | 72.78% | 72.71% | 70.95% | 68.10% | 68.50% | 73.58% | 73.70% | +275 bps | |
| Non-Interest Burden | 1.92% | 1.96% | 2.12% | 2.08% | 1.99% | 2.00% | 2.18% | 2.21% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.33% | 5.72% | 6.14% | 4.51% | 0.79% | 2.42% | 0.60% | 3.70% | -81 bps | |
| Loan Growth (YoY) | 4.61% | 3.33% | -0.50% | 1.90% | 1.42% | 2.86% | 4.01% | 2.61% | +70 bps | |
| Deposit Growth (YoY) | 4.78% | 6.09% | 6.09% | 3.80% | 0.15% | 0.64% | -0.73% | 2.46% | -134 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 1.27% | 0.77% | 0.79% | 0.94% | 2.93% | 2.83% | 2.95% | +216 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.15% | 0.12% | 0.09% | 0.01% | 0.01% | -13 bps | |
| Allowance / Loans | 1.58% | 1.57% | 1.58% | 1.52% | 1.51% | 1.48% | 1.48% | 1.46% | -6 bps | |
| Allowance Coverage of NPLs | 12.9x | 1.2x | 2.0x | 1.9x | 1.6x | 0.5x | 0.5x | 0.5x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.97% | 9.96% | 10.30% | 10.18% | 10.30% | 10.42% | 10.65% | 10.49% | +32 bps | |
| Total Risk-Based Capital | 9.97% | 9.96% | 10.30% | 10.18% | 10.30% | 10.42% | 10.65% | 10.49% | +32 bps | |
| Equity / Assets | 7.14% | 6.52% | 6.76% | 6.98% | 7.67% | 8.15% | 8.03% | 8.18% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.10% | 64.48% | 63.06% | 65.49% | 64.91% | 65.90% | 66.07% | 65.59% | +10 bps | |
| Liquid Assets / Assets | 4.02% | 4.78% | 3.67% | 4.25% | 4.60% | 3.34% | 4.08% | 3.72% | -53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 180.58% | 167.57% | 155.64% | n/a | n/a | |
Perham, MN · Cert 8544 · Peer group: banks under $1B in assets in MN (n=111-113) · Perham State Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.77%
Rank 92 of 113
Net Interest Margin
3.16%
Rank 92 of 113
Efficiency Ratio
73.70%
Rank 97 of 113
Equity / Assets
8.18%
Rank 91 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.77% | 0.87% | 1.20% | 1.41% | Beats 19% | 92 / 113 | ||
| Return on Equity | 9.40% | 8.92% | 11.27% | 13.99% | Beats 28% | 81 / 113 | ||
| Net Interest Margin | 3.16% | 3.42% | 3.88% | 4.31% | Beats 19% | 92 / 113 | ||
| Efficiency Ratio | 73.70% | 54.13% | 61.48% | 69.86% | Beats 15% | 97 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.95% | 0.09% | 0.58% | 1.82% | Beats 9% | 102 / 111 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.04% | Beats 43% | 64 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.49% | 11.53% | 13.31% | 18.13% | Beats 10% | 102 / 113 | ||
| Total Risk-Based Capital Ratio | 10.49% | 12.12% | 14.43% | 19.39% | Beats 9% | 103 / 113 | ||
| Equity / Assets | 8.18% | 8.52% | 10.10% | 11.94% | Beats 19% | 91 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.59% | 62.08% | 77.32% | 88.06% | 29th pctl | 79 / 111 | ||
| Loans / Assets | 59.64% | 55.01% | 66.35% | 75.50% | 35th pctl | 74 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||