Saint Joseph, MN · Cert 8546 · Saint Joseph Bancshares Acquisitions
State charter, non-member · FDIC · 4 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
84
Profitability
66
Liquidity
82
Efficiency
85
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 Joseph, MN · Cert 8546 · Saint Joseph Bancshares Acquisitions
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (8 in holding)
Q2 2026
Market Position · St. Cloud, MN · 2026 SOD (annual) · 4.6% share · #6 of 32 inst. · $0.4B of $7.9B
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 | 1.00% | 1.03% | 1.02% | 1.13% | 1.16% | 1.22% | 1.21% | 1.26% | +13 bps | |
| Return on Equity | 11.49% | 11.65% | 10.85% | 12.05% | 12.37% | 12.85% | 12.69% | 13.60% | +156 bps | |
| Net Interest Margin | 3.24% | 3.30% | 3.28% | 3.46% | 3.45% | 3.44% | 3.76% | 3.78% | +32 bps | |
| Efficiency Ratio | 57.21% | 56.54% | 56.93% | 54.98% | 54.91% | 54.10% | 54.76% | 52.98% | -199 bps | |
| Non-Interest Burden | 1.69% | 1.70% | 1.74% | 1.76% | 1.75% | 1.72% | 1.93% | 1.88% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.94% | 0.92% | 2.07% | 9.46% | 13.75% | 16.25% | 12.96% | 18.93% | +947 bps | |
| Loan Growth (YoY) | 14.11% | 8.73% | 7.30% | 6.37% | 10.41% | 20.10% | 21.69% | 27.53% | +2,116 bps | |
| Deposit Growth (YoY) | 6.10% | 2.55% | 4.54% | 9.87% | 14.91% | 18.23% | 14.91% | 21.87% | +1,200 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.50% | 1.54% | 1.39% | 1.36% | 1.35% | 1.29% | 1.26% | 1.22% | -15 bps | |
| Allowance Coverage of NPLs | 78.6x | 80.1x | 75.5x | 75.3x | 73.0x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.11% | 9.42% | 9.03% | 9.13% | 9.00% | 8.98% | 8.65% | 8.66% | -48 bps | |
| Total Risk-Based Capital | 9.11% | 9.42% | 9.03% | 9.13% | 9.00% | 8.98% | 12.42% | 12.25% | +312 bps | |
| Equity / Assets | 9.59% | 9.48% | 9.32% | 9.46% | 9.36% | 9.67% | 9.34% | 8.89% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.11% | 83.55% | 83.29% | 81.10% | 79.85% | 84.88% | 88.20% | 84.87% | +377 bps | |
| Liquid Assets / Assets | 4.14% | 2.82% | 4.49% | 7.62% | 9.54% | 4.65% | 2.58% | 6.07% | -155 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 428% | 456% | 491% | n/a | n/a | |
Saint Joseph, MN · Cert 8546 · Peer group: banks under $1B in assets (n=581-629) · Saint Joseph Bancshares Acquisitions
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (8 in holding)
Q2 2026
Return on Assets
1.18%
Rank 247 of 629
Net Interest Margin
3.78%
Rank 238 of 629
Efficiency Ratio
52.98%
Rank 95 of 629
Equity / Assets
8.89%
Rank 492 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.18% | 0.60% | 1.01% | 1.45% | Beats 61% | 247 / 629 | ||
| Return on Equity | 13.32% | 5.38% | 9.30% | 13.28% | Beats 75% | 156 / 629 | ||
| Net Interest Margin | 3.78% | 3.03% | 3.54% | 4.05% | Beats 62% | 238 / 629 | ||
| Efficiency Ratio | 52.98% | 58.35% | 67.79% | 79.08% | Beats 85% | 95 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 68% | 190 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.00% | 11.24% | 13.84% | 18.77% | Beats 23% | 486 / 629 | ||
| Total Risk-Based Capital Ratio | 12.25% | 11.58% | 14.43% | 19.66% | Beats 31% | 436 / 629 | ||
| Equity / Assets | 8.89% | 9.09% | 10.65% | 13.80% | Beats 22% | 492 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.87% | 67.24% | 80.90% | 93.48% | 57th pctl | 255 / 594 | ||
| Loans / Assets | 74.57% | 53.31% | 67.71% | 78.15% | 65th pctl | 223 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||