Buffalo Lake, MN · Cert 8848
FDIC · 3 branches
Q4 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.12% | 0.96% | 0.22% | 1.00% | 0.98% | 1.24% | 0.47% | +25 bps | |
| Return on Equity | 14.29% | 14.58% | 12.34% | 2.84% | 13.12% | 12.78% | 16.25% | 6.22% | +338 bps | |
| Net Interest Margin | 3.69% | 3.82% | 3.77% | 3.67% | 3.87% | 3.99% | 4.12% | 4.10% | +42 bps | |
| Efficiency Ratio | 65.04% | 65.04% | 69.16% | 92.83% | 69.23% | 70.22% | 64.33% | 86.67% | -616 bps | |
| Non-Interest Burden | 2.30% | 2.37% | 2.52% | 3.39% | 2.59% | 2.72% | 2.53% | 3.52% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.81% | -0.69% | 1.50% | 1.21% | -5.21% | 0.55% | -0.01% | 6.30% | +509 bps | |
| Loan Growth (YoY) | -14.83% | -11.80% | -12.81% | -11.23% | -1.34% | 2.38% | 7.40% | 3.96% | +1,520 bps | |
| Deposit Growth (YoY) | 0.83% | -1.12% | 1.20% | 1.27% | -5.60% | 0.76% | -0.29% | 6.66% | +539 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.03% | 0.00% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.02% | -0.01% | 0.00% | 0.00% | 0.43% | 0.09% | 0.01% | +1 bps | |
| Allowance / Loans | 1.21% | 1.21% | 1.25% | 1.24% | 1.17% | 1.09% | 1.05% | 1.07% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 112.4x | 112.4x | n/a | 34.5x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.91% | 7.89% | 8.01% | 7.90% | 7.90% | 7.72% | 7.74% | 7.26% | -64 bps | |
| Total Risk-Based Capital | 13.53% | 13.55% | 13.71% | 13.38% | 13.31% | 12.65% | 12.76% | 12.60% | -78 bps | |
| Equity / Assets | 7.72% | 7.64% | 7.99% | 7.33% | 7.96% | 7.40% | 7.91% | 7.13% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.60% | 62.30% | 62.80% | 60.23% | 65.43% | 63.30% | 67.64% | 58.71% | -152 bps | |
| Liquid Assets / Assets | 27.07% | 26.90% | 22.63% | 24.67% | 19.80% | 18.74% | 11.38% | 16.27% | -840 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 196.41% | 188.47% | n/a | |