Deer River, MN · Cert 8863 · Remer Bcorp Inc.
State charter, non-member · FDIC · 4 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 | 0.56% | 0.62% | 0.60% | 0.66% | 0.70% | 0.74% | 0.82% | 0.93% | +27 bps | |
| Return on Equity | 6.90% | 7.55% | 7.37% | 8.17% | 8.61% | 9.03% | 9.93% | 11.34% | +317 bps | |
| Net Interest Margin | 3.43% | 3.53% | 3.66% | 3.79% | 3.75% | 3.89% | 4.24% | 4.29% | +50 bps | |
| Efficiency Ratio | 81.01% | 80.62% | 79.12% | 77.60% | 77.29% | 77.13% | 74.78% | 71.76% | -584 bps | |
| Non-Interest Burden | 2.64% | 2.70% | 2.71% | 2.75% | 2.71% | 2.81% | 2.98% | 2.86% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.24% | 7.61% | 6.49% | 6.00% | 7.00% | 5.80% | 7.43% | 7.03% | +102 bps | |
| Loan Growth (YoY) | 12.18% | 12.87% | 6.66% | 5.64% | 5.81% | 5.62% | 7.83% | 9.06% | +341 bps | |
| Deposit Growth (YoY) | 6.99% | 7.62% | 7.72% | 6.54% | 6.14% | 4.52% | 7.84% | 6.59% | +5 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.24% | 0.41% | 0.48% | 0.98% | 0.91% | 0.83% | 1.53% | +105 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.04% | 0.05% | 0.05% | 0.11% | 0.03% | 0.01% | -3 bps | |
| Allowance / Loans | 1.00% | 0.98% | 1.01% | 0.94% | 0.93% | 0.89% | 0.91% | 0.94% | -1 bps | |
| Allowance Coverage of NPLs | 2.0x | 4.1x | 2.4x | 2.0x | 0.9x | 1.0x | 1.1x | 0.6x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.63% | 8.79% | 8.60% | 8.72% | 8.53% | 8.79% | 8.51% | 8.59% | -14 bps | |
| Total Risk-Based Capital | 12.14% | 12.38% | 12.23% | 11.99% | 11.91% | 11.99% | 11.70% | 11.60% | -39 bps | |
| Equity / Assets | 8.19% | 8.24% | 8.11% | 8.07% | 8.16% | 8.48% | 8.11% | 8.14% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.37% | 91.41% | 89.08% | 88.00% | 88.10% | 92.37% | 89.08% | 90.03% | +204 bps | |
| Liquid Assets / Assets | 4.58% | 4.37% | 4.30% | 4.29% | 4.50% | 4.84% | 4.67% | 4.51% | +22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 356% | 364% | 383% | n/a | n/a | |