Wells, MN · Cert 8840
State charter, non-member · 1 branch
Q1 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | 1.21% | 1.47% | 1.10% | 0.39% | -82 bps | |
| Return on Equity | 11.75% | 11.24% | 13.00% | 9.77% | 3.94% | -781 bps | |
| Net Interest Margin | 3.62% | 3.80% | 4.02% | 3.98% | 3.76% | +15 bps | |
| Efficiency Ratio | 58.10% | 60.42% | 54.80% | 64.18% | 85.45% | +2,735 bps | |
| Non-Interest Burden | 2.02% | 2.22% | 2.12% | 2.48% | 3.15% | +113 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.84% | -5.80% | -3.89% | 0.36% | 0.67% | +951 bps | |
| Loan Growth (YoY) | 0.05% | 1.65% | 2.39% | -0.08% | -4.25% | -430 bps | |
| Deposit Growth (YoY) | -5.85% | -2.40% | -1.73% | 1.28% | 2.20% | +805 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.20% | 0.00% | 0.03% | 0.35% | +7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.28% | 1.25% | 1.25% | 1.27% | 1.34% | +6 bps | |
| Allowance Coverage of NPLs | 4.6x | 6.4x | n/a | 40.3x | 3.8x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.50% | 11.21% | 11.40% | 11.17% | 8.61% | -188 bps | |
| Total Risk-Based Capital | 15.89% | 15.77% | 15.80% | 15.94% | 13.28% | -260 bps | |
| Equity / Assets | 10.46% | 11.02% | 11.57% | 10.90% | 8.93% | -154 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.79% | 80.46% | 81.53% | 74.67% | 71.95% | -484 bps | |
| Liquid Assets / Assets | 7.51% | 8.04% | 7.28% | 16.47% | 2.06% | -545 bps | |
| CRE / Total Capital | n/a | n/a | 18.67% | 12.80% | 13.86% | n/a | |