PackageTrendsPeer
Letter portraitLegal landscape

Rolette State Bank

Rolette, ND · Cert 9120

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

20

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Rolette State Bank

Rolette, ND · Cert 9120

State charter, non-member · FDIC · 1 branch

Q2 2026

$51.5MAssets
$37.4MLoans
$46.0MDeposits
$5.2MEquity
Loan mix
60%RE $7.5M33%C&I $4.1M7%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $34.8M24%Noninterest $11.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.21%, down 58 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.04% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.87%, down 50 bps from a year ago.
  • Funding: loans stand at 81.21% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.21%-58 bps YoY

Net Interest Margin (YTD, annualized)

4.12%-29 bps YoY

Efficiency Ratio (YTD, annualized)

67.22%+842 bps YoY

Tier 1 Leverage Ratio

9.87%-50 bps YoY

NIM

5.37%Q2 ’245.92%Q2 ’255.56%Q2 ’26+17%-7%

Non-interest income vs. expense

3.41%Q2 ’243.39%Q2 ’253.04%Q2 ’26-25%+30%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.74%1.25%1.79%1.81%1.29%1.11%1.21%-58 bps
Return on Equity8.96%8.14%12.92%18.06%17.88%12.75%11.21%12.10%-596 bps
Net Interest Margin3.96%4.15%4.30%4.42%4.54%4.42%3.95%4.12%-29 bps
Efficiency Ratio74.47%77.49%66.12%58.81%58.31%65.56%67.21%67.22%+842 bps
Non-Interest Burden2.79%3.08%2.69%2.04%2.18%2.58%2.52%2.64%+60 bps
Growth
Asset Growth (YoY)0.71%-1.37%-2.64%0.37%1.55%5.90%11.99%8.98%+861 bps
Loan Growth (YoY)7.07%1.53%8.24%4.83%-0.35%-0.01%-3.10%4.81%-2 bps
Deposit Growth (YoY)-4.09%8.43%9.85%10.31%13.95%8.07%12.47%9.29%-102 bps
Asset Quality
Nonperforming Loans / Loans1.94%0.04%0.04%0.04%1.62%0.03%0.04%0.04%0 bps
Net Charge-Offs / Loans0.04%0.02%-0.01%0.14%0.09%0.07%0.00%-0.01%-15 bps
Allowance / Loans0.76%0.80%0.81%0.78%0.78%1.07%1.16%0.99%+21 bps
Allowance Coverage of NPLs0.4x21.4x21.2x21.3x0.5x31.2x31.6x24.6x+3.3x
Capital
Tier 1 Leverage Ratio9.48%9.71%10.08%10.36%10.80%10.10%10.13%9.87%-50 bps
Total Risk-Based Capital9.48%9.71%10.08%10.36%10.80%10.10%10.13%9.87%-50 bps
Equity / Assets9.47%9.51%9.90%10.34%10.65%10.10%9.75%10.12%-22 bps
Liquidity & Funding
Loans / Deposits96.00%85.68%80.86%84.68%83.95%79.27%69.67%81.21%-347 bps
Liquid Assets / Assets2.12%2.15%2.13%2.12%2.08%2.03%1.90%1.94%-17 bps
CRE / Total Capitaln/an/an/an/a7.34%7.11%6.54%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Rolette State Bank

Rolette, ND · Cert 9120 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$51.5MAssets
$37.4MLoans
$46.0MDeposits
$5.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets (rank 574 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.20%

Rank 241 of 629

Net Interest Margin

4.12%

Rank 135 of 629

Efficiency Ratio

67.22%

Rank 307 of 629

Equity / Assets

10.12%

Rank 372 of 629

Non-interest income vs. expense

$0.2M$1.6MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 51% of banks under $1B in assets
Bank 67.22%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.20%0.60%1.01%1.45%Beats 62%241 / 629
Return on Equity11.84%5.38%9.30%13.28%Beats 66%216 / 629
Net Interest Margin4.12%3.03%3.54%4.05%Beats 79%135 / 629
Efficiency Ratio67.22%58.35%67.79%79.08%Beats 51%307 / 629
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.46%1.20%Beats 82%107 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio9.87%11.24%13.84%18.77%Beats 9%571 / 629
Total Risk-Based Capital Ratio9.87%11.58%14.43%19.66%Beats 9%574 / 629
Equity / Assets10.12%9.09%10.65%13.80%Beats 41%372 / 629
Liquidity & Funding
Loans / Deposits81.21%67.24%80.90%93.48%50th pctl295 / 594
Loans / Assets72.53%53.31%67.71%78.15%59th pctl255 / 629
Brokered Deposits / Depositsn/aNot reported for this institution