Rolette, ND · Cert 9120
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.32% | 1.84% | -0.30% | 1.11% | 1.29% | -104 bps | |
| Return on Equity | 22.98% | 17.55% | -2.86% | 11.21% | 12.95% | -1,003 bps | |
| Net Interest Margin | 4.62% | 4.82% | 4.56% | 3.95% | 4.48% | -14 bps | |
| Efficiency Ratio | 53.84% | 57.27% | 89.49% | 67.21% | 67.23% | +1,339 bps | |
| Non-Interest Burden | 1.45% | 2.46% | 4.04% | 2.52% | 2.88% | +142 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 / Loans | 0.04% | 1.62% | 0.03% | 0.04% | 0.04% | 0 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.00% | 0.00% | 0.00% | -0.01% | -30 bps | |
| Allowance / Loans | 0.78% | 0.78% | 1.07% | 1.16% | 0.99% | +21 bps | |
| Allowance Coverage of NPLs | 21.3x | 0.5x | 31.2x | 31.6x | 24.6x | +3.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.36% | 10.80% | 10.10% | 10.13% | 9.87% | -50 bps | |
| Total Risk-Based Capital | 10.36% | 10.80% | 10.10% | 10.13% | 9.87% | -50 bps | |
| Equity / Assets | 10.34% | 10.65% | 10.10% | 9.75% | 10.12% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.68% | 83.95% | 79.27% | 69.67% | 81.21% | -347 bps | |
| Liquid Assets / Assets | 2.12% | 2.08% | 2.03% | 1.90% | 1.94% | -17 bps | |
| CRE / Total Capital | n/a | 7.34% | 7.11% | 6.54% | n/a | n/a | |