West Concord, MN · Cert 8865 · West Concord Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 0.6% share · #24 of 34 inst. · $0.0B of $7.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | -0.18% | 0.63% | 0.55% | 0.76% | 0.17% | 0.60% | 0.73% | +18 bps | |
| Return on Equity | 9.95% | -2.80% | 10.05% | 9.01% | 12.60% | 2.76% | 9.78% | 11.72% | +271 bps | |
| Net Interest Margin | 3.26% | 3.43% | 3.37% | 3.31% | 3.62% | 3.50% | 3.37% | 3.59% | +28 bps | |
| Efficiency Ratio | 73.72% | 82.82% | 74.63% | 76.54% | 71.88% | 90.78% | 75.62% | 73.35% | -319 bps | |
| Non-Interest Burden | 2.33% | 2.80% | 2.45% | 2.48% | 2.52% | 3.16% | 2.50% | 2.57% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.30% | 2.24% | 2.97% | 10.32% | 10.35% | 14.53% | 17.43% | 7.82% | -250 bps | |
| Loan Growth (YoY) | 9.46% | 3.35% | 4.84% | 9.55% | 15.25% | 19.38% | 15.29% | 12.50% | +294 bps | |
| Deposit Growth (YoY) | 6.19% | 7.54% | 13.07% | 20.84% | 11.51% | 20.66% | 13.46% | 7.64% | -1,320 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.60% | 0.34% | 0.74% | 1.17% | 0.39% | 0.42% | 0.64% | -11 bps | |
| Net Charge-Offs / Loans | 0.11% | 1.06% | -0.18% | 0.02% | 0.04% | -0.02% | -0.01% | 0.04% | +2 bps | |
| Allowance / Loans | 0.94% | 0.91% | 0.98% | 0.96% | 0.93% | 0.94% | 0.99% | 0.99% | +3 bps | |
| Allowance Coverage of NPLs | 2.7x | 1.5x | 2.9x | 1.3x | 0.8x | 2.4x | 2.4x | 1.6x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.96% | 7.91% | 7.92% | 7.80% | 7.61% | 7.32% | 7.27% | 7.27% | -53 bps | |
| Total Risk-Based Capital | 11.85% | 11.52% | 11.55% | 11.14% | 10.97% | 10.82% | 11.41% | 11.04% | -10 bps | |
| Equity / Assets | 6.54% | 6.21% | 6.29% | 5.88% | 6.25% | 6.19% | 6.00% | 6.44% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.70% | 93.39% | 87.59% | 86.10% | 92.71% | 92.40% | 89.01% | 89.98% | +388 bps | |
| Liquid Assets / Assets | 3.06% | 1.39% | 2.80% | 4.32% | 0.93% | 0.64% | 7.06% | 3.33% | -99 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 79.05% | 91.49% | 104.59% | n/a | n/a | |