Byron, MN · Cert 9728 · Olmsted Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 1.6% share · #17 of 34 inst. · $0.1B of $7.6B
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 | 0.79% | 0.81% | 0.92% | 1.01% | 1.02% | 1.02% | 0.26% | 1.38% | +37 bps | |
| Return on Equity | 12.29% | 12.64% | 14.19% | 15.10% | 14.63% | 14.08% | 3.67% | 19.88% | +478 bps | |
| Net Interest Margin | 3.07% | 2.94% | 3.23% | 3.18% | 3.31% | 3.36% | 3.19% | 3.52% | +34 bps | |
| Efficiency Ratio | 55.60% | 58.69% | 59.24% | 56.40% | 56.33% | 58.18% | 60.39% | 51.67% | -474 bps | |
| Non-Interest Burden | 1.62% | 1.63% | 1.83% | 1.71% | 1.80% | 1.87% | 1.86% | 1.68% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.53% | 13.41% | 10.53% | 14.19% | 7.59% | 5.26% | 9.33% | 5.81% | -838 bps | |
| Loan Growth (YoY) | 18.93% | 13.81% | 12.01% | 17.10% | 8.92% | 6.10% | 8.17% | 2.78% | -1,432 bps | |
| Deposit Growth (YoY) | 25.74% | 23.69% | 20.54% | 0.58% | 3.23% | 4.21% | 4.58% | 7.05% | +647 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.53% | 0.13% | 0.24% | 0.16% | 0.16% | 2.64% | 2.63% | +239 bps | |
| Net Charge-Offs / Loans | 0.67% | 0.24% | 0.21% | 0.04% | 0.14% | 0.18% | 0.04% | 0.25% | +21 bps | |
| Allowance / Loans | 1.08% | 1.07% | 1.08% | 1.08% | 1.11% | 1.12% | 1.40% | 1.37% | +29 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.0x | 8.2x | 4.5x | 7.1x | 6.9x | 0.5x | 0.5x | -4.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.54% | 7.63% | 7.75% | 7.77% | 7.89% | 7.93% | 7.69% | 7.93% | +16 bps | |
| Total Risk-Based Capital | 11.01% | 11.26% | 11.51% | 11.16% | 11.87% | 11.80% | 11.80% | 12.08% | +92 bps | |
| Equity / Assets | 6.52% | 6.30% | 6.74% | 6.67% | 7.22% | 7.23% | 6.86% | 7.03% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.33% | 100.40% | 98.75% | 104.15% | 101.64% | 102.22% | 102.13% | 100.00% | -415 bps | |
| Liquid Assets / Assets | 3.37% | 3.75% | 3.28% | 4.21% | 3.04% | 2.80% | 3.33% | 3.58% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 253% | 253% | 250% | n/a | n/a | |