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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 1.24%, down 10 bps year over year; NIM at 4.35%.
  • Asset quality: problem loans at 0.96% of loans (+3 bps YoY), with net recoveries of 0.02%.
  • 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 (YTD, annualized)

1.24%-10 bps YoY

Net Interest Margin (YTD, annualized)

4.35%+6 bps YoY

Efficiency Ratio (YTD, annualized)

61.48%+239 bps YoY

Tier 1 Leverage Ratio

10.69%+24 bps YoY

NIM

6.60%Q2 ’246.56%Q2 ’256.39%Q2 ’26-2%+1%

Non-interest income vs. expense

2.63%Q2 ’242.63%Q2 ’252.77%Q2 ’26-2%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.25%1.17%1.34%1.40%1.37%1.22%1.24%-10 bps
Return on Equity11.80%11.72%11.39%13.08%13.56%13.15%11.38%11.55%-153 bps
Net Interest Margin4.26%4.18%4.21%4.30%4.25%4.33%4.33%4.35%+6 bps
Efficiency Ratio60.57%60.55%61.74%59.09%57.73%58.66%61.47%61.48%+239 bps
Non-Interest Burden2.54%2.49%2.55%2.47%2.39%2.48%2.60%2.62%+15 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 / Loans0.07%0.05%0.21%0.22%0.16%0.11%0.00%-0.02%-23 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