Forman, ND · Cert 8942 · Napoleon Bcorp Inc.
State charter, non-member · FDIC · 6 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | 1.06% | 0.96% | 1.16% | 1.28% | +26 bps | |
| Return on Equity | 15.77% | 15.06% | 12.98% | 13.72% | 14.88% | -89 bps | |
| Net Interest Margin | 2.74% | 2.81% | 2.77% | 2.84% | 2.96% | +22 bps | |
| Efficiency Ratio | 49.82% | 49.20% | 52.85% | 47.71% | 44.37% | -545 bps | |
| Non-Interest Burden | 1.38% | 1.40% | 1.48% | 1.36% | 1.33% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.21% | 0.08% | 0.19% | 2.29% | 4.50% | +472 bps | |
| Loan Growth (YoY) | 5.31% | 4.01% | 1.01% | 4.76% | 7.12% | +181 bps | |
| Deposit Growth (YoY) | -0.43% | 0.65% | -2.33% | 0.48% | 3.82% | +425 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.59% | 0.35% | 0.52% | 0.05% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.01% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.63% | 0.64% | 0.69% | 0.67% | 0.63% | +1 bps | |
| Allowance Coverage of NPLs | 18.0x | 1.1x | 2.0x | 1.3x | 12.7x | -5.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.13% | 11.72% | 11.76% | 11.11% | 11.56% | +42 bps | |
| Total Risk-Based Capital | 11.13% | 11.72% | 11.76% | 11.11% | 11.56% | +42 bps | |
| Equity / Assets | 7.19% | 8.71% | 8.84% | 8.01% | 8.93% | +174 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.72% | 54.23% | 52.99% | 53.73% | 57.50% | +177 bps | |
| Liquid Assets / Assets | 1.14% | 2.00% | 5.50% | 5.86% | 2.96% | +182 bps | |
| CRE / Total Capital | n/a | 22.78% | 21.74% | 22.01% | n/a | n/a | |