Glenwood, MN · Cert 8853
State charter, non-member · FDIC · 3 branches
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
44
Asset Quality
46
Profitability
59
Liquidity
0
Efficiency
58
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.
Glenwood, MN · Cert 8853
State charter, non-member · FDIC · 3 branches
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 | 0.79% | 0.82% | 0.97% | 1.12% | 1.17% | 1.23% | 1.30% | 1.33% | +22 bps | |
| Return on Equity | 9.24% | 9.60% | 10.73% | 12.24% | 12.66% | 13.19% | 13.08% | 13.27% | +103 bps | |
| Net Interest Margin | 3.11% | 3.08% | 3.28% | 3.43% | 3.50% | 3.50% | 3.77% | 3.80% | +36 bps | |
| Efficiency Ratio | 67.80% | 67.56% | 65.32% | 60.78% | 60.13% | 59.52% | 58.77% | 58.46% | -231 bps | |
| Non-Interest Burden | 2.00% | 1.98% | 2.05% | 1.96% | 1.97% | 1.95% | 2.08% | 2.08% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.84% | 2.55% | 1.89% | 0.04% | -0.13% | 1.23% | 1.60% | -0.05% | -8 bps | |
| Loan Growth (YoY) | 0.82% | -1.53% | -1.39% | -0.67% | 0.44% | 1.16% | -0.86% | -3.41% | -274 bps | |
| Deposit Growth (YoY) | 4.14% | 5.87% | 3.77% | 3.35% | 1.15% | 1.59% | 0.76% | -1.14% | -449 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.62% | 1.17% | 1.42% | 1.42% | 1.65% | 1.36% | 1.58% | 2.03% | +61 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.03% | 0.00% | 0.05% | 0.02% | 0.00% | -0.03% | -0.03% | -7 bps | |
| Allowance / Loans | 0.99% | 1.15% | 1.17% | 1.13% | 1.14% | 1.15% | 1.21% | 1.21% | +8 bps | |
| Allowance Coverage of NPLs | 0.6x | 1.0x | 0.8x | 0.8x | 0.7x | 0.8x | 0.8x | 0.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.90% | 8.98% | 9.24% | 9.50% | 9.64% | 9.75% | 10.34% | 10.28% | +78 bps | |
| Total Risk-Based Capital | 10.65% | 11.38% | 11.54% | 11.77% | 12.14% | 12.11% | 13.37% | 13.39% | +162 bps | |
| Equity / Assets | 8.69% | 8.74% | 9.28% | 9.36% | 9.58% | 9.64% | 10.25% | 10.30% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.81% | 104.27% | 105.42% | 106.84% | 109.04% | 103.83% | 103.72% | 104.39% | -245 bps | |
| Liquid Assets / Assets | 0.50% | 5.00% | 3.69% | 2.63% | 2.35% | 6.30% | 6.67% | 6.23% | +359 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 416% | 396% | 350% | n/a | n/a | |
Glenwood, MN · Cert 8853 · Peer group: banks under $1B in assets in MN (n=111-113)
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.35%
Rank 36 of 113
Net Interest Margin
3.80%
Rank 63 of 113
Efficiency Ratio
58.46%
Rank 48 of 113
Equity / Assets
10.30%
Rank 55 of 113
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.35% | 0.87% | 1.20% | 1.41% | Beats 68% | 36 / 113 | ||
| Return on Equity | 13.15% | 8.92% | 11.27% | 13.99% | Beats 66% | 38 / 113 | ||
| Net Interest Margin | 3.80% | 3.42% | 3.88% | 4.31% | Beats 44% | 63 / 113 | ||
| Efficiency Ratio | 58.46% | 54.13% | 61.48% | 69.86% | Beats 58% | 48 / 113 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.03% | 0.09% | 0.58% | 1.82% | Beats 23% | 87 / 111 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 68% | 37 / 111 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.14% | 11.53% | 13.31% | 18.13% | Beats 38% | 70 / 113 | ||
| Total Risk-Based Capital Ratio | 13.39% | 12.12% | 14.43% | 19.39% | Beats 43% | 64 / 113 | ||
| Equity / Assets | 10.30% | 8.52% | 10.10% | 11.94% | Beats 51% | 55 / 113 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 104.39% | 62.08% | 77.32% | 88.06% | 93rd pctl | 8 / 111 | ||
| Loans / Assets | 89.88% | 55.01% | 66.35% | 75.50% | 96th pctl | 4 / 113 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||