Upsala, MN · Cert 9336 · Battle Financial Inc.
National charter · OCC · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 1.55% | -2.33% | -8.75% | -8.08% | -909 bps | |
| Return on Equity | 3.62% | 5.47% | -5.98% | -15.59% | -16.75% | -2,037 bps | |
| Net Interest Margin | 3.74% | 3.90% | 0.80% | 3.16% | 2.60% | -115 bps | |
| Efficiency Ratio | 38.57% | 34.99% | 363% | 437% | 394% | +35,516 bps | |
| Non-Interest Burden | 1.44% | 1.37% | 2.26% | 11.72% | 9.68% | +824 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.44% | 1.34% | 83.98% | 113.27% | 178.21% | +17,476 bps | |
| Loan Growth (YoY) | 2.10% | 3.55% | -91.16% | -85.81% | -75.62% | -7,772 bps | |
| Deposit Growth (YoY) | 3.77% | 0.51% | -1.84% | 47.11% | 148.37% | +14,460 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.69% | 0.40% | 0.00% | 0.00% | 0.00% | -69 bps | |
| Net Charge-Offs / Loans | 0.61% | 0.71% | 0.00% | 0.00% | 0.00% | -61 bps | |
| Allowance / Loans | 1.78% | 1.62% | 0.45% | 0.28% | 0.35% | -144 bps | |
| Allowance Coverage of NPLs | 2.6x | 4.0x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 27.93% | 29.84% | 59.44% | 47.73% | 33.32% | +539 bps | |
| Total Risk-Based Capital | 35.07% | 36.71% | 59.44% | 47.73% | 33.32% | -175 bps | |
| Equity / Assets | 27.86% | 29.88% | 62.02% | 51.06% | 37.04% | +918 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 112.16% | 115.69% | 10.12% | 10.83% | 11.01% | -10,115 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 16.94% | 14.74% | 5.17% | +514 bps | |
| CRE / Total Capital | n/a | 5.33% | 0.04% | 0.05% | n/a | n/a | |