Waverly, MN · Cert 9337
FDIC · 2 branches
Q4 2025
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2025 SOD (annual) · 0.0% share · #94 of 127 inst. · $0.1B of $232.6B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.69% | 0.69% | 0.71% | 0.49% | 0.58% | 0.57% | 0.62% | -9 bps | |
| Return on Equity | 9.74% | 10.48% | 10.13% | 10.26% | 6.61% | 7.65% | 7.35% | 7.81% | -245 bps | |
| Net Interest Margin | 2.60% | 2.69% | 2.73% | 2.78% | 2.46% | 2.65% | 2.64% | 2.66% | -11 bps | |
| Efficiency Ratio | 69.08% | 68.83% | 69.59% | 69.34% | 70.60% | 72.43% | 72.70% | 71.42% | +207 bps | |
| Non-Interest Burden | 1.66% | 1.71% | 1.76% | 1.79% | 1.62% | 1.80% | 1.80% | 1.78% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.07% | 0.30% | 0.65% | -2.69% | -1.09% | 0.03% | 3.45% | 4.15% | +684 bps | |
| Loan Growth (YoY) | 5.60% | 4.64% | -0.83% | -1.97% | -5.02% | -5.23% | 1.41% | 7.25% | +923 bps | |
| Deposit Growth (YoY) | -4.23% | -1.06% | -2.83% | -3.83% | -1.97% | -1.35% | 3.05% | 2.66% | +649 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 3.56% | 3.46% | 3.31% | 2.93% | +293 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | 0.05% | 0.03% | 0.28% | +28 bps | |
| Allowance / Loans | 1.42% | 1.40% | 1.43% | 1.46% | 1.47% | 1.47% | 1.45% | 1.17% | -30 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.4x | 0.4x | 0.4x | 0.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.59% | 9.97% | 9.93% | 10.12% | 9.59% | 9.85% | 9.69% | 9.49% | -63 bps | |
| Total Risk-Based Capital | 17.67% | 17.86% | 18.48% | 19.02% | 18.79% | 18.81% | 18.28% | 18.29% | -73 bps | |
| Equity / Assets | 6.50% | 6.75% | 7.72% | 7.44% | 7.31% | 8.02% | 8.23% | 8.75% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.78% | 55.97% | 54.63% | 53.83% | 52.10% | 53.77% | 53.76% | 56.24% | +241 bps | |
| Liquid Assets / Assets | 13.25% | 11.39% | 13.30% | 12.55% | 14.62% | 14.19% | 13.95% | 12.34% | -21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 117.11% | 115.53% | n/a | |