Blomkest, MN · Cert 9727 · Matson Financial Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.27% | 1.65% | 1.56% | 1.49% | 1.17% | 0.78% | 1.12% | -44 bps | |
| Return on Equity | 14.23% | 12.25% | 15.87% | 15.27% | 14.34% | 11.39% | 7.93% | 11.54% | -373 bps | |
| Net Interest Margin | 4.51% | 4.75% | 4.50% | 4.65% | 4.50% | 4.07% | 3.96% | 4.01% | -63 bps | |
| Efficiency Ratio | 61.39% | 66.91% | 54.77% | 57.01% | 59.12% | 64.74% | 69.81% | 51.57% | -544 bps | |
| Non-Interest Burden | 2.62% | 3.07% | 2.30% | 2.48% | 2.49% | 2.45% | 2.64% | 1.89% | -59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.59% | -0.80% | -1.40% | 6.14% | 8.28% | 18.14% | 15.69% | 9.96% | +382 bps | |
| Loan Growth (YoY) | 12.31% | 9.55% | 10.12% | 9.35% | 8.60% | 3.92% | 2.63% | -2.78% | -1,213 bps | |
| Deposit Growth (YoY) | -1.32% | -1.97% | -2.59% | 2.65% | 6.43% | 18.97% | 16.85% | 13.56% | +1,091 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.28% | 1.61% | 3.52% | 3.23% | 2.71% | 2.76% | 2.63% | 2.73% | -49 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.12% | 0.04% | 0.00% | 0.08% | 0.95% | 0.00% | 0.18% | +18 bps | |
| Allowance / Loans | 2.20% | 2.09% | 2.11% | 2.07% | 2.09% | 1.93% | 1.99% | 2.22% | +14 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.3x | 0.6x | 0.6x | 0.8x | 0.7x | 0.8x | 0.8x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.86% | 11.19% | 11.00% | 11.05% | 10.78% | 10.80% | 10.25% | 10.13% | -92 bps | |
| Total Risk-Based Capital | 14.84% | 15.16% | 15.24% | 15.02% | 15.66% | 15.91% | 15.68% | 16.41% | +140 bps | |
| Equity / Assets | 10.27% | 10.46% | 10.33% | 10.16% | 10.61% | 10.03% | 9.56% | 9.92% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.21% | 98.35% | 94.23% | 97.33% | 97.15% | 85.91% | 82.76% | 83.32% | -1,401 bps | |
| Liquid Assets / Assets | 4.08% | 4.12% | 3.88% | 2.46% | 2.54% | 2.41% | 2.34% | 2.40% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 140.96% | 141.39% | 138.75% | n/a | n/a | |