Appleton, MN · Cert 8845 · MPS Investment Co.
State charter, non-member · FDIC · 1 branch
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 in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
28
Profitability
93
Liquidity
24
Efficiency
100
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.
Appleton, MN · Cert 8845 · MPS Investment Co.
State charter, non-member · FDIC · 1 branch
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 | 1.79% | 1.78% | 2.22% | 2.18% | 2.21% | 2.45% | 2.54% | 2.57% | +39 bps | |
| Return on Equity | 16.17% | 15.67% | 18.42% | 17.84% | 17.80% | 19.34% | 19.45% | 19.68% | +184 bps | |
| Net Interest Margin | 3.92% | 4.12% | 4.62% | 4.79% | 4.78% | 4.70% | 4.68% | 4.63% | -16 bps | |
| Efficiency Ratio | 39.79% | 42.37% | 38.73% | 40.19% | 39.44% | 38.75% | 34.14% | 33.42% | -677 bps | |
| Non-Interest Burden | 1.45% | 1.63% | 1.67% | 1.79% | 1.75% | 1.44% | 1.46% | 1.40% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.48% | -7.05% | -5.87% | -7.71% | -0.98% | -1.04% | 0.60% | 4.36% | +1,207 bps | |
| Loan Growth (YoY) | 7.20% | 3.67% | 4.02% | 6.38% | 6.18% | 2.77% | -0.38% | -0.94% | -732 bps | |
| Deposit Growth (YoY) | -3.58% | 3.22% | 3.59% | 0.55% | 1.03% | -4.36% | -0.30% | 4.72% | +417 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.80% | 1.67% | 1.69% | 1.57% | 1.54% | 1.90% | 1.83% | 1.89% | +32 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | -0.03% | 0.02% | 0.01% | 0.11% | 0.03% | +6 bps | |
| Allowance / Loans | 2.21% | 2.19% | 2.27% | 2.25% | 2.26% | 2.31% | 2.40% | 2.32% | +8 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.3x | 1.3x | 1.4x | 1.5x | 1.2x | 1.3x | 1.2x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.82% | 12.46% | 11.86% | 12.73% | 13.15% | 13.60% | 12.66% | 12.99% | +26 bps | |
| Total Risk-Based Capital | 11.82% | 12.46% | 11.86% | 12.73% | 13.15% | 13.60% | 12.66% | 12.99% | +26 bps | |
| Equity / Assets | 12.28% | 12.29% | 11.79% | 12.56% | 13.09% | 13.58% | 12.58% | 12.96% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.51% | 94.39% | 92.71% | 100.50% | 103.54% | 101.43% | 92.64% | 95.07% | -543 bps | |
| Liquid Assets / Assets | 0.83% | 4.26% | 5.92% | 0.00% | 0.00% | 0.00% | 8.67% | 6.62% | +662 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 43.93% | 47.28% | 51.12% | n/a | n/a | |
Appleton, MN · Cert 8845 · Peer group: banks under $1B in assets in MN (n=111-113) · MPS Investment Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
2.53%
Rank 4 of 113
Net Interest Margin
4.63%
Rank 11 of 113
Efficiency Ratio
33.42%
Rank 1 of 113
Equity / Assets
12.96%
Rank 21 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.53% | 0.87% | 1.20% | 1.41% | Beats 96% | 4 / 113 | ||
| Return on Equity | 19.55% | 8.92% | 11.27% | 13.99% | Beats 94% | 7 / 113 | ||
| Net Interest Margin | 4.63% | 3.42% | 3.88% | 4.31% | Beats 90% | 11 / 113 | ||
| Efficiency Ratio | 33.42% | 54.13% | 61.48% | 69.86% | Beats 100% | 1 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.89% | 0.09% | 0.58% | 1.82% | Beats 24% | 85 / 111 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.04% | Beats 31% | 78 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.99% | 11.53% | 13.31% | 18.13% | Beats 46% | 61 / 113 | ||
| Total Risk-Based Capital Ratio | 12.99% | 12.12% | 14.43% | 19.39% | Beats 36% | 72 / 113 | ||
| Equity / Assets | 12.96% | 8.52% | 10.10% | 11.94% | Beats 81% | 21 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.07% | 62.08% | 77.32% | 88.06% | 85th pctl | 17 / 111 | ||
| Loans / Assets | 82.55% | 55.01% | 66.35% | 75.50% | 88th pctl | 14 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||