Le Center, MN · Cert 9330 · First St Agency of Le Ctr Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #107 of 125 inst. · $0.1B of $253.2B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.17% | 1.27% | 1.00% | 1.20% | 1.10% | 1.57% | 1.61% | +62 bps | |
| Return on Equity | 12.92% | 11.58% | 12.39% | 9.77% | 11.66% | 10.70% | 14.98% | 15.15% | +538 bps | |
| Net Interest Margin | 4.04% | 3.88% | 4.02% | 4.04% | 4.12% | 4.05% | 4.35% | 4.47% | +43 bps | |
| Efficiency Ratio | 60.41% | 62.32% | 62.49% | 61.13% | 58.63% | 62.09% | 56.34% | 56.05% | -508 bps | |
| Non-Interest Burden | 2.34% | 2.33% | 2.42% | 2.39% | 2.32% | 2.43% | 2.35% | 2.39% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.76% | -4.26% | 3.85% | 4.85% | 7.71% | 8.12% | 1.78% | 0.04% | -482 bps | |
| Loan Growth (YoY) | 7.82% | 6.56% | 9.16% | 8.08% | 10.19% | 11.16% | 11.04% | 9.20% | +113 bps | |
| Deposit Growth (YoY) | -3.56% | -5.89% | 3.31% | 3.96% | 7.61% | 7.95% | 0.77% | -1.06% | -502 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.49% | 0.90% | 0.09% | 1.18% | 0.90% | 0.89% | 0.81% | +73 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.06% | -0.08% | -0.01% | -0.01% | 0.28% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 1.17% | 1.26% | 1.27% | 1.51% | 1.49% | 1.25% | 1.24% | 1.23% | -29 bps | |
| Allowance Coverage of NPLs | 19.6x | 2.6x | 1.4x | 17.7x | 1.3x | 1.4x | 1.4x | 1.5x | -16.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.22% | 10.95% | 10.61% | 10.57% | 10.77% | 10.63% | 10.67% | 11.15% | +58 bps | |
| Total Risk-Based Capital | 15.38% | 16.52% | 14.16% | 13.60% | 14.71% | 13.88% | 13.95% | 14.74% | +114 bps | |
| Equity / Assets | 10.77% | 10.52% | 9.94% | 10.11% | 10.56% | 10.50% | 10.46% | 10.94% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.36% | 76.45% | 74.39% | 76.37% | 79.22% | 78.72% | 81.98% | 84.29% | +792 bps | |
| Liquid Assets / Assets | 4.35% | 4.21% | 4.09% | 3.88% | 3.64% | 3.52% | 3.21% | 3.22% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 57.11% | 64.61% | 63.47% | n/a | n/a | |