Tolna, ND · Cert 8640 · Tolna Bcorp 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 (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
29
Asset Quality
46
Profitability
27
Liquidity
0
Efficiency
39
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.
Tolna, ND · Cert 8640 · Tolna Bcorp 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 | 0.59% | 0.58% | 0.51% | 0.69% | 0.70% | 0.70% | 0.49% | 0.70% | +1 bps | |
| Return on Equity | 6.63% | 6.47% | 5.61% | 7.33% | 7.23% | 7.15% | 4.82% | 6.80% | -54 bps | |
| Net Interest Margin | 3.06% | 2.97% | 2.82% | 3.00% | 3.10% | 3.07% | 2.82% | 2.87% | -13 bps | |
| Efficiency Ratio | 73.77% | 74.98% | 79.54% | 73.85% | 72.15% | 72.13% | 77.84% | 71.97% | -188 bps | |
| Non-Interest Burden | 2.17% | 2.14% | 2.12% | 2.11% | 2.15% | 2.13% | 2.13% | 1.99% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.93% | -7.10% | 5.17% | 5.11% | 4.50% | 6.90% | 4.69% | 2.36% | -274 bps | |
| Loan Growth (YoY) | -10.37% | -8.71% | -4.49% | -9.69% | -2.15% | -1.52% | -12.81% | -9.78% | -9 bps | |
| Deposit Growth (YoY) | -12.73% | -6.90% | 4.40% | 3.72% | 4.01% | 5.14% | 3.76% | 1.77% | -195 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.86% | 2.23% | 1.97% | 0.54% | 0.47% | 0.50% | 0.60% | 0.73% | +18 bps | |
| Net Charge-Offs / Loans | -0.29% | -0.20% | -0.02% | -0.03% | -0.03% | -0.03% | -0.04% | 0.00% | +2 bps | |
| Allowance / Loans | 0.82% | 0.83% | 0.90% | 0.89% | 0.83% | 0.88% | 1.06% | 1.01% | +12 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.4x | 0.5x | 1.6x | 1.8x | 1.8x | 1.8x | 1.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.06% | 11.82% | 11.01% | 11.07% | 11.66% | 11.68% | 10.95% | 10.99% | -9 bps | |
| Total Risk-Based Capital | 17.91% | 17.91% | 18.21% | 18.90% | 19.79% | 19.48% | 19.85% | 10.99% | -791 bps | |
| Equity / Assets | 10.11% | 9.15% | 9.03% | 9.88% | 10.56% | 10.68% | 9.76% | 10.48% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.88% | 54.54% | 47.85% | 49.71% | 55.39% | 51.08% | 40.21% | 44.07% | -564 bps | |
| Liquid Assets / Assets | 9.10% | 8.49% | 7.97% | 7.50% | 7.45% | 6.94% | 6.65% | 6.37% | -113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 34.19% | 31.68% | 31.85% | n/a | n/a | |
Tolna, ND · Cert 8640 · Peer group: banks under $1B in assets (n=581-629) · Tolna Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.71%
Rank 441 of 629
Net Interest Margin
2.87%
Rank 510 of 629
Efficiency Ratio
71.97%
Rank 383 of 629
Equity / Assets
10.48%
Rank 335 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.60% | 1.01% | 1.45% | Beats 30% | 441 / 629 | ||
| Return on Equity | 6.74% | 5.38% | 9.30% | 13.28% | Beats 32% | 429 / 629 | ||
| Net Interest Margin | 2.87% | 3.03% | 3.54% | 4.05% | Beats 19% | 510 / 629 | ||
| Efficiency Ratio | 71.97% | 58.35% | 67.79% | 79.08% | Beats 39% | 383 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.73% | 0.09% | 0.46% | 1.20% | Beats 37% | 365 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 55% | 267 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.99% | 11.24% | 13.84% | 18.77% | Beats 22% | 489 / 629 | ||
| Total Risk-Based Capital Ratio | 10.99% | 11.58% | 14.43% | 19.66% | Beats 19% | 510 / 629 | ||
| Equity / Assets | 10.48% | 9.09% | 10.65% | 13.80% | Beats 47% | 335 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.07% | 67.24% | 80.90% | 93.48% | 8th pctl | 549 / 594 | ||
| Loans / Assets | 39.33% | 53.31% | 67.71% | 78.15% | 14th pctl | 539 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||