Blomkest, MN · Cert 9727 · Matson Financial Inc.
State charter, non-member · FDIC · 2 branches
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 | 1.61% | 1.57% | 1.46% | 0.78% | 1.01% | -60 bps | |
| Return on Equity | 15.59% | 15.13% | 14.20% | 7.93% | 10.23% | -535 bps | |
| Net Interest Margin | 4.57% | 4.40% | 4.22% | 3.96% | 3.93% | -64 bps | |
| Efficiency Ratio | 55.91% | 57.01% | 58.93% | 69.81% | 60.52% | +461 bps | |
| Non-Interest Burden | 2.39% | 2.35% | 2.32% | 2.64% | 2.23% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.14% | 8.28% | 18.14% | 15.69% | 9.96% | +382 bps | |
| Loan Growth (YoY) | 9.35% | 8.60% | 3.92% | 2.63% | -2.78% | -1,213 bps | |
| Deposit Growth (YoY) | 2.65% | 6.43% | 18.97% | 16.85% | 13.56% | +1,091 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.23% | 2.71% | 2.76% | 2.63% | 2.73% | -49 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.27% | 0.00% | 0.09% | +7 bps | |
| Allowance / Loans | 2.07% | 2.09% | 1.93% | 1.99% | 2.22% | +14 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.8x | 0.7x | 0.8x | 0.8x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.05% | 10.78% | 10.80% | 10.25% | 10.13% | -92 bps | |
| Total Risk-Based Capital | 15.02% | 15.66% | 15.91% | 15.68% | 16.41% | +140 bps | |
| Equity / Assets | 10.16% | 10.61% | 10.03% | 9.56% | 9.92% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.33% | 97.15% | 85.91% | 82.76% | 83.32% | -1,401 bps | |
| Liquid Assets / Assets | 2.46% | 2.54% | 2.41% | 2.34% | 2.40% | -6 bps | |
| CRE / Total Capital | n/a | 140.96% | 141.39% | 138.75% | n/a | n/a | |