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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 $0.8MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $34.8M24%Noninterest $11.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.29%, down 104 bps year over year; NIM at 4.48%.
  • 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 (quarter, annualized)

1.29%-104 bps YoY

Net Interest Margin (quarter, annualized)

4.48%-14 bps YoY

Efficiency Ratio (quarter, annualized)

67.23%+1,339 bps YoY

Tier 1 Leverage Ratio

9.87%-50 bps YoY

NIM

5.56%Q2 ’246.13%Q2 ’255.91%Q2 ’26+20%-3%

Non-interest income vs. expense

3.52%Q2 ’243.70%Q2 ’253.29%Q2 ’26-51%+98%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%0.53%1.25%2.32%1.84%-0.30%1.11%1.29%-104 bps
Return on Equity11.68%5.61%12.92%22.98%17.55%-2.86%11.21%12.95%-1,003 bps
Net Interest Margin4.24%4.38%4.30%4.62%4.82%4.56%3.95%4.48%-14 bps
Efficiency Ratio70.65%86.09%66.12%53.84%57.27%89.49%67.21%67.23%+1,339 bps
Non-Interest Burden2.86%3.69%2.69%1.45%2.46%4.04%2.52%2.88%+142 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 / Loans0.00%-0.05%-0.01%0.29%0.00%0.00%0.00%-0.01%-30 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