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 | |