Currie, MN · Cert 8833 · Currie Bcorp Inc.
State charter, non-member · FDIC · 2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 1.40% | 1.37% | 1.22% | 1.24% | -10 bps | |
| Return on Equity | 13.08% | 13.56% | 13.15% | 11.38% | 11.55% | -153 bps | |
| Net Interest Margin | 4.30% | 4.25% | 4.33% | 4.33% | 4.35% | +6 bps | |
| Efficiency Ratio | 59.09% | 57.73% | 58.66% | 61.47% | 61.48% | +239 bps | |
| Non-Interest Burden | 2.47% | 2.39% | 2.48% | 2.60% | 2.62% | +15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.08% | 8.26% | 1.49% | -1.97% | -1.94% | -801 bps | |
| Loan Growth (YoY) | 3.81% | 6.73% | 4.46% | -5.75% | -7.38% | -1,119 bps | |
| Deposit Growth (YoY) | 7.45% | 8.52% | 4.39% | -2.64% | -2.40% | -985 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.94% | 2.69% | 5.62% | 1.03% | 0.96% | +3 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.16% | 0.11% | 0.00% | -0.02% | -23 bps | |
| Allowance / Loans | 1.42% | 1.46% | 1.41% | 1.56% | 1.54% | +12 bps | |
| Allowance Coverage of NPLs | 1.5x | 0.5x | 0.3x | 1.5x | 1.6x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.45% | 10.34% | 10.74% | 10.44% | 10.69% | +24 bps | |
| Total Risk-Based Capital | 10.45% | 10.34% | 10.74% | 10.44% | 10.69% | +24 bps | |
| Equity / Assets | 10.17% | 10.44% | 10.89% | 10.60% | 10.67% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.56% | 101.69% | 107.59% | 101.20% | 100.17% | -539 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0 bps | |
| CRE / Total Capital | n/a | 55.00% | 46.58% | 49.09% | n/a | n/a | |