PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Currie State Bank

Currie, MN · Cert 8833 · Currie Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$100.0MAssets
$88.4MLoans
$88.3MDeposits
$10.7MEquity
Loan mix
85%RE $46.6M13%C&I $7.2M2%Consumer $1.4MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $72.0M18%Noninterest $16.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.27%, down 25 bps year over year; NIM at 4.40%.
  • Asset quality: problem loans at 0.96% of loans (+3 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 10.69%, up 24 bps from a year ago.
  • Funding: loans stand at 100.17% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.27%-25 bps YoY

Net Interest Margin (quarter, annualized)

4.40%-2 bps YoY

Efficiency Ratio (quarter, annualized)

61.48%+488 bps YoY

Tier 1 Leverage Ratio

10.69%+24 bps YoY

NIM

6.85%Q2 ’246.71%Q2 ’256.47%Q2 ’26-1%-1%

Non-interest income vs. expense

2.73%Q2 ’242.61%Q2 ’252.79%Q2 ’26-8%+9%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.23%1.17%1.52%1.51%1.28%1.22%1.27%-25 bps
Return on Equity10.91%11.53%11.39%15.00%14.61%12.01%11.38%11.91%-309 bps
Net Interest Margin4.28%4.20%4.21%4.43%4.56%4.45%4.33%4.40%-2 bps
Efficiency Ratio63.67%60.51%61.74%56.61%55.28%61.35%61.47%61.48%+488 bps
Non-Interest Burden2.68%2.50%2.55%2.43%2.46%2.68%2.60%2.66%+23 bps
Growth
Asset Growth (YoY)7.31%6.37%11.14%6.08%8.26%1.49%-1.97%-1.94%-801 bps
Loan Growth (YoY)4.37%3.58%7.29%3.81%6.73%4.46%-5.75%-7.38%-1,119 bps
Deposit Growth (YoY)7.72%4.43%14.14%7.45%8.52%4.39%-2.64%-2.40%-985 bps
Asset Quality
Nonperforming Loans / Loans1.05%0.96%3.03%0.94%2.69%5.62%1.03%0.96%+3 bps
Net Charge-Offs / Loans0.56%-0.02%0.21%0.23%0.02%-0.01%0.00%-0.03%-26 bps
Allowance / Loans1.68%1.59%1.53%1.42%1.46%1.41%1.56%1.54%+12 bps
Allowance Coverage of NPLs1.6x1.7x0.5x1.5x0.5x0.3x1.5x1.6x+0.1x
Capital
Tier 1 Leverage Ratio10.70%10.79%10.18%10.45%10.34%10.74%10.44%10.69%+24 bps
Total Risk-Based Capital10.70%10.79%10.18%10.45%10.34%10.74%10.44%10.69%+24 bps
Equity / Assets10.81%10.56%10.02%10.17%10.44%10.89%10.60%10.67%+49 bps
Liquidity & Funding
Loans / Deposits103.40%107.52%104.53%105.56%101.69%107.59%101.20%100.17%-539 bps
Liquid Assets / Assets0.03%0.03%0.04%0.03%0.03%0.03%0.03%0.03%0 bps
CRE / Total Capitaln/an/an/an/a55.00%46.58%49.09%n/an/a