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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 $0.8MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $34.8M24%Noninterest $11.2MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.79%1.81%1.29%1.11%1.21%-58 bps
Return on Equity18.06%17.88%12.75%11.21%12.10%-596 bps
Net Interest Margin4.42%4.54%4.42%3.95%4.12%-29 bps
Efficiency Ratio58.81%58.31%65.56%67.21%67.22%+842 bps
Non-Interest Burden2.04%2.18%2.58%2.52%2.64%+60 bps
Growth
Asset Growth (YoY)0.37%1.55%5.90%11.99%8.98%+861 bps
Loan Growth (YoY)4.83%-0.35%-0.01%-3.10%4.81%-2 bps
Deposit Growth (YoY)10.31%13.95%8.07%12.47%9.29%-102 bps
Asset Quality
Nonperforming Loans / Loans0.04%1.62%0.03%0.04%0.04%0 bps
Net Charge-Offs / Loans0.14%0.09%0.07%0.00%-0.01%-15 bps
Allowance / Loans0.78%0.78%1.07%1.16%0.99%+21 bps
Allowance Coverage of NPLs21.3x0.5x31.2x31.6x24.6x+3.3x
Capital
Tier 1 Leverage Ratio10.36%10.80%10.10%10.13%9.87%-50 bps
Total Risk-Based Capital10.36%10.80%10.10%10.13%9.87%-50 bps
Equity / Assets10.34%10.65%10.10%9.75%10.12%-22 bps
Liquidity & Funding
Loans / Deposits84.68%83.95%79.27%69.67%81.21%-347 bps
Liquid Assets / Assets2.12%2.08%2.03%1.90%1.94%-17 bps
CRE / Total Capitaln/a7.34%7.11%6.54%n/an/a